發(fā)布時間：2018-01-01 06:36

  本文關(guān)鍵詞：小額貸款公司財務(wù)效率和社會效率及其影響因素——基于DEA-Tobit兩階段法的實證分析　出處：《財經(jīng)理論與實踐》2017年03期 　論文類型：期刊論文

  更多相關(guān)文章： 小額貸款公司 財務(wù)效率 社會效率 DEA-Tobit

【摘要】：基于2013—2015年山東省259家小額貸款公司的面板數(shù)據(jù),運用DEA-Tobit兩階段法分析小額貸款公司財務(wù)效率和社會效率及其影響因素。實證結(jié)果表明:小額貸款公司社會效率的均值低于財務(wù)效率的均值,同時小額貸款公司在財務(wù)效率方面差異較小,并且總體水平較高,而社會效率的分布相對比較分散,并且總體水平較低。盈利能力、融資結(jié)構(gòu)和地區(qū)經(jīng)濟發(fā)展水平對小額貸款公司的財務(wù)效率存在顯著的正向影響;涉農(nóng)貸款比例對財務(wù)效率和社會效率均產(chǎn)生顯著的正向影響。國有集體資本參股和設(shè)立在縣域有利于社會效率的提高;經(jīng)營時間和小額貸款公司社會效率存在負(fù)相關(guān)關(guān)系,但對財務(wù)效率的影響并不顯著。
[Abstract]:From 2013 to 2015 in Shandong Province, 259 small loan companies based on the panel data analysis, the use of DEA-Tobit two stage method factors of small loan companies, financial efficiency and social efficiency and influence. The empirical results show that: the mean social efficiency of small loan companies is lower than that of the financial efficiency at the same time, the small loan company differences in financial efficiency is smaller, and the overall level of high efficiency and social distribution is relatively dispersed, and the overall level of profitability is low. The level of economic development, financing structure and area of microfinance company financial efficiency in significant positive effects; the proportion of agricultural loans have a positive effect on the financial efficiency and social efficiency. In the state-owned and collective capital and equity the establishment is conducive to the improvement of social efficiency; there is a negative correlation between the operating time and small loan company social efficiency, but for the money The effect of efficiency is not significant.

【作者單位】： 山東大學(xué)經(jīng)濟學(xué)院;齊魯工業(yè)大學(xué)金融學(xué)院;
【基金】：國家自然科學(xué)基金重點項目(71333009);國家自然科學(xué)基金面上項目(71273155) 齊魯工業(yè)大學(xué)人文社會科學(xué)規(guī)劃項目(SKXMY1511)
【分類號】：F830.42;F832.39
【正文快照】： 一、引言為了緩解“三農(nóng)”和小微企業(yè)的融資難題,進一步完善我國普惠金融體系,近年來我國積極推動小額貸款公司(以下簡稱“小貸公司”)的發(fā)展。作為商業(yè)性的小額信貸機構(gòu),小貸公司在經(jīng)營中承擔(dān)著雙重目標(biāo):一是實現(xiàn)經(jīng)營自給和財務(wù)自給的財務(wù)持續(xù)目標(biāo)(financial sustainability)

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本文編號：1363370