本文關(guān)鍵詞：農(nóng)村信用社運(yùn)營效率及其影響因素的研究　出處：《廣西師范大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：隨著近年來農(nóng)村經(jīng)濟(jì)的高速發(fā)展,以及政府對于“三農(nóng)問題”的關(guān)注,農(nóng)村信用社的發(fā)展方向再次成為了學(xué)術(shù)界探討的話題。農(nóng)村經(jīng)濟(jì)體對金融產(chǎn)品的需求逐年增加,作為農(nóng)村金融市場的主力軍,我們應(yīng)該采取什么措施保證農(nóng)村信用社合理、有效地為農(nóng)村經(jīng)濟(jì)服務(wù)呢?這是擺在我們面前亟待解決的問題。為了促使農(nóng)村信用社更好的為“三農(nóng)問題”提供金融支持,就需要考慮農(nóng)村信用社的運(yùn)營效率,尋找其影響因素和傳導(dǎo)途徑,以達(dá)到農(nóng)村信用社運(yùn)營效率的最大化這一最終目的。 據(jù)此,本文對農(nóng)村信用社運(yùn)營效率展開了深入的研究,測算并評估了我國農(nóng)村信用社2000-2010年間的運(yùn)營效率,分析了我國農(nóng)村信用社對當(dāng)?shù)剞r(nóng)業(yè)發(fā)展的經(jīng)濟(jì)效應(yīng),將地區(qū)GDP、農(nóng)民人均純收入和鄉(xiāng)鎮(zhèn)企業(yè)增加值等變量納入影響農(nóng)信社運(yùn)營效率因素的研究中,并根據(jù)一定的前提假設(shè)展開實(shí)證分析。 首先,本文運(yùn)用了DEAP2.1軟件對規(guī)模報酬不變和規(guī)模報酬可變情況下的農(nóng)村信用社運(yùn)營效率進(jìn)行測算,了解其在靜態(tài)情況下的效率變換。結(jié)果顯示：靜態(tài)情況下,當(dāng)規(guī)模報酬不變和可變時,我國農(nóng)村信用社的技術(shù)效率和規(guī)模效率均呈現(xiàn)遞減趨勢。 其次,引入Malmquist生產(chǎn)率指數(shù)對我國農(nóng)村信用社總體運(yùn)營效率進(jìn)行指數(shù)分解,將其分解為技術(shù)效率指數(shù)和技術(shù)進(jìn)步指數(shù),且值為二者的乘積,其中技術(shù)效率指數(shù)是純技術(shù)效率和規(guī)模效率的乘積。通過分地區(qū)比較可知,我國農(nóng)村信用社的運(yùn)營效率總體呈平穩(wěn)波動趨勢,其中技術(shù)進(jìn)步指數(shù)對運(yùn)營效率的影響較大,在東、中、西部地區(qū)的比較中可知,西部地區(qū)的運(yùn)營效率略高于中、東部地區(qū)。 第三,通過對農(nóng)村信用社運(yùn)營效率和農(nóng)業(yè)產(chǎn)業(yè)增加值進(jìn)行協(xié)整分析,以檢驗(yàn)農(nóng)村信用社運(yùn)營效率對當(dāng)?shù)剞r(nóng)業(yè)是否存在經(jīng)濟(jì)效應(yīng)。結(jié)果顯示：我國農(nóng)村信用社運(yùn)營效率對當(dāng)?shù)剞r(nóng)業(yè)發(fā)展具有長期均衡的促進(jìn)效應(yīng)。 第四,通過對農(nóng)村信用社運(yùn)營效率影響因素進(jìn)行理論假設(shè),針對地區(qū)GDP、農(nóng)民人均純收入和鄉(xiāng)鎮(zhèn)企業(yè)增加值等七個變量構(gòu)建面板數(shù)據(jù)模型進(jìn)行考察,并根據(jù)影響程度描繪這些影響因素的傳遞機(jī)制。結(jié)果顯示：地區(qū)GDP、農(nóng)業(yè)生產(chǎn)總值占GDP比重以及農(nóng)民人均純收入對農(nóng)村信用社運(yùn)營效率有著正向的影響,鄉(xiāng)鎮(zhèn)企業(yè)增加值、存貸比、地區(qū)固定資產(chǎn)投資額和農(nóng)村信用社存款額對農(nóng)村信用社運(yùn)營效率有著負(fù)向的影響,其中存貸比對于運(yùn)營效率的影響最大,地區(qū)GDP和固定資產(chǎn)投資額的影響次之。 第五,在本文研究的基礎(chǔ)上,結(jié)合我國現(xiàn)階段農(nóng)村信用社的發(fā)展?fàn)顩r提出相關(guān)政策建議,為政府和有關(guān)部門提供相應(yīng)的政策參考。
[Abstract]:With the rapid development of rural economy in recent years, the government pays attention to the "three rural issues". The development direction of rural credit cooperatives has once again become a topic of discussion in academia. The demand for financial products in rural economies is increasing year by year, as the main force of rural financial markets. What measures should we take to ensure that rural credit cooperatives serve the rural economy reasonably and effectively? In order to promote the rural credit cooperatives to provide financial support for the "three rural issues", we need to consider the operational efficiency of rural credit cooperatives. In order to maximize the operational efficiency of rural credit cooperatives, the final aim is to find the influencing factors and transmission ways. Based on this, this paper carries out a deep study on the operational efficiency of rural credit cooperatives, and estimates and evaluates the operational efficiency of rural credit cooperatives in China from 2000 to 2010. This paper analyzes the economic effects of rural credit cooperatives on the development of local agriculture, and brings into the study the factors affecting the operational efficiency of rural credit cooperatives, such as regional GDP, per capita net income of farmers and added value of township enterprises. And the empirical analysis is carried out according to a certain premise hypothesis. First of all, this paper uses DEAP2.1 software to calculate the operational efficiency of rural credit cooperatives under the condition of constant scale return and variable scale reward. The results show that the technical efficiency and scale efficiency of rural credit cooperatives in our country are decreasing under the static condition when the scale return is constant and variable. Secondly, the Malmquist productivity index is introduced to decompose the overall operational efficiency of rural credit cooperatives in China, which is divided into technical efficiency index and technological progress index, and the value is the product of the two. The technical efficiency index is the product of pure technical efficiency and scale efficiency. The technical progress index has a great influence on the operation efficiency. In the comparison of east, middle and west regions, the operation efficiency of the western region is slightly higher than that of the central and eastern regions. Third, through the cointegration analysis of the operational efficiency of rural credit cooperatives and agricultural industry added value. The results show that the operational efficiency of rural credit cooperatives has a long-term equilibrium promoting effect on the development of local agriculture. In 4th, through the theoretical assumption of the influencing factors of the operational efficiency of rural credit cooperatives, the panel data model was constructed based on the seven variables of regional GDP, per capita net income of farmers and added value of township enterprises. The transmission mechanism of these factors was described according to the degree of influence. The results showed that: regional GDP. The proportion of agricultural GDP to GDP and the per capita net income of farmers have a positive impact on the operational efficiency of rural credit cooperatives, the added value of township enterprises, the ratio of savings and loans. The regional fixed assets investment and the deposit amount of rural credit cooperatives have a negative impact on the operational efficiency of rural credit cooperatives, in which the deposit-loan ratio has the greatest impact on the operational efficiency. Regional GDP and the impact of investment in fixed assets followed. 5th, on the basis of the research of this paper, combined with the current situation of the development of rural credit cooperatives in China, put forward the relevant policy recommendations for the government and relevant departments to provide the corresponding policy reference.
【學(xué)位授予單位】：廣西師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35

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