發(fā)布時(shí)間：2018-02-07 15:50

  本文關(guān)鍵詞： 小額貸款公司 全要素生產(chǎn)率 成本效率 利潤效率　出處：《西北農(nóng)林科技大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：長期以來,由于受我國城鄉(xiāng)二元化發(fā)展格局等諸多因素的影響,我國農(nóng)村金融市場存在的金融抑制、金融服務(wù)供給不足等問題難以得到根本解決。近年來,隨著我國新型城鎮(zhèn)化進(jìn)程的不斷推進(jìn),國家大力推行供給側(cè)改革,先后出臺(tái)了一系列金融體制改革政策,力求從金融服務(wù)供給端入手改善農(nóng)村金融生態(tài)環(huán)境,使得金融資源更好的服務(wù)于“三農(nóng)”經(jīng)濟(jì)發(fā)展。自2006年國家放寬和鼓勵(lì)新型農(nóng)村金融機(jī)構(gòu)設(shè)立和發(fā)展以來,小額貸款公司、村鎮(zhèn)銀行、資金互助社等民間資本參與的新型金融機(jī)構(gòu)實(shí)現(xiàn)了較快的發(fā)展,但由于農(nóng)業(yè)本身的高風(fēng)險(xiǎn)性和民間資本的短期逐利性,近年來部分小額貸款公司在經(jīng)營過程中也暴露出目標(biāo)偏移的“離農(nóng)化”發(fā)展趨勢以及經(jīng)營效率不高、內(nèi)部控制不佳等缺陷,不利于小額貸款公司的可持續(xù)性發(fā)展以及實(shí)現(xiàn)“支農(nóng)扶貧”的政策初衷�；谶@一現(xiàn)實(shí)背景,本文從能夠反映小額貸款公司整體投入產(chǎn)出效率的全要素生產(chǎn)率以及測量成本控制與利潤創(chuàng)造能力的成本效率和利潤效率出發(fā)以研究小額貸款公司的經(jīng)營效率。本文以中國小微金融研究院對全國范圍內(nèi)部分小額貸款公司的跟蹤調(diào)查數(shù)據(jù),選取部分樣本2011-2014年的面板數(shù)據(jù),首先采用隨機(jī)前沿分析與Malmquist指數(shù)相結(jié)合的方法對小額貸款公司的全要素生產(chǎn)率及其構(gòu)成進(jìn)行了實(shí)證測算;其次使用隨機(jī)前沿分析法對小額貸款公司的成本效率和利潤效率水平進(jìn)行了測算,并進(jìn)一步實(shí)證分析了這兩種效率的影響因素,驗(yàn)證了貸款余額、貸款結(jié)構(gòu)、不同的區(qū)域差異等對小額貸款公司成本控制與利潤創(chuàng)造的影響機(jī)制,并結(jié)合研究結(jié)論,針對性的提出了提高小額貸款公司經(jīng)營效率的政策建議。本文的研究內(nèi)容安排如下:第一章,導(dǎo)論。主要介紹了研究背景、研究目的、研究意義以及相關(guān)研究內(nèi)容的國內(nèi)外研究動(dòng)態(tài)、研究方法與技術(shù)路線以及論文可能的創(chuàng)新之處。第二章,小額貸款公司經(jīng)營效率評價(jià)的理論與方法。主要介紹了經(jīng)營效率的定義與分類以及常見的實(shí)證分析測量方法。第三章,當(dāng)前小額貸款公司發(fā)展現(xiàn)狀和存在問題。介紹了我國近年來小額貸款公司以及新型農(nóng)村金融機(jī)構(gòu)的發(fā)展現(xiàn)狀、地區(qū)間對比分析以及存在的主要問題。第四章,小額貸款公司全要素生產(chǎn)率及其分解。根據(jù)研究樣本2011-2014年的面板數(shù)據(jù),采用SFA-Malmquist方法對樣本小貸公司的全要素生產(chǎn)率進(jìn)行了測算與分解,并進(jìn)行了地區(qū)間小額貸款公司的比較分析。第五章,小額貸款公司成本效率和利潤效率及其影響因素分析。根據(jù)研究樣本2011-2014年的面板數(shù)據(jù),采用BC(1995)模型,對小額貸款公司的成本效率和利潤效率及其影響因素進(jìn)行了實(shí)證分析,檢驗(yàn)了有關(guān)因素對小額貸款公司成本控制與利潤創(chuàng)造能力的影響作用。第六章,研究結(jié)論與對策建議。主要總結(jié)了論文的研究結(jié)論,并結(jié)合現(xiàn)有情況提出了相應(yīng)的對策建議。
[Abstract]:For a long time, due to the influence of many factors, such as the dual development pattern of urban and rural areas in our country, the problems of financial suppression and insufficient supply of financial services in rural financial markets in China are difficult to solve at all in recent years. With the development of new urbanization in our country, the country has vigorously carried out supply-side reform, and has successively introduced a series of financial system reform policies to improve the rural financial ecological environment from the supply side of financial services. Since 2006, the state has relaxed and encouraged the establishment and development of new rural financial institutions. Since the establishment and development of new rural financial institutions, microfinance companies, village banks, New types of financial institutions involving private capital, such as mutual aid unions, have achieved rapid development. However, due to the high risk of agriculture itself and the short-term profit-driven nature of private capital, In recent years, some micro-credit companies have also exposed the development trend of "off-farm" in the course of operation, as well as the shortcomings of inefficient operation and poor internal control. It is not conducive to the sustainable development of microfinance companies and the original intention of realizing the policy of "supporting agriculture and helping poor people". This paper studies the operating efficiency of microfinance companies from the aspects of total factor productivity which can reflect the overall input-output efficiency of microfinance companies and the cost efficiency and profit efficiency of measuring cost control and profit creation ability. This paper uses the tracking data of some microfinance companies in China from the China Institute of small and Microfinance. The panel data of some samples from 2011-2014 are selected. Firstly, the total factor productivity (TFP) and its composition of microfinance companies are measured empirically by the combination of stochastic frontier analysis and Malmquist index. Secondly, the cost efficiency and profit efficiency of microfinance companies are measured by stochastic frontier analysis, and the influencing factors of these two efficiency are further analyzed, and the loan balance and loan structure are verified. The impact mechanism of different regional differences on the cost control and profit creation of microfinance companies, and combined with the conclusions of the study, The research content of this paper is as follows: the first chapter, introduction. Mainly introduces the research background, research purpose, The significance of the research, the research trends at home and abroad, the research methods and technical routes, and the possible innovations of the paper. Chapter two, This paper mainly introduces the definition and classification of operational efficiency and the common empirical analysis and measurement methods. This paper introduces the current situation of the development of microfinance companies and new rural financial institutions in China in recent years, as well as the regional comparative analysis and main problems. Chapter 4th, According to the panel data of the sample from 2011 to 2014, the total factor productivity of the sample small loan company is measured and decomposed by SFA-Malmquist method. In chapter 5th, cost efficiency and profit efficiency of microfinance companies and their influencing factors are analyzed. According to panel data from 2011 to 2014, BCC1995) model is used. This paper makes an empirical analysis on the cost efficiency, profit efficiency and influencing factors of microfinance companies, and tests the effect of relevant factors on the cost control and profit creation ability of microfinance companies. Chapter 6th, The research conclusions and countermeasures are summarized, and the corresponding countermeasures and suggestions are put forward according to the existing situation.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.39;F830.42

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