發(fā)布時間：2018-04-25 13:19

  本文選題：農村信用社 + 農業(yè)貸款��； 參考：《湖南大學》2014年碩士論文

【摘要】：農村信用社是正規(guī)農村金融的主力軍，是農業(yè)貸款發(fā)放的主體，是聯系農民的金融紐帶；農業(yè)貸款不僅是農村信用社的核心業(yè)務之一，也是農業(yè)金融的發(fā)揮效用的核心方式，農業(yè)貸款效率既直接影響到農村信用社自身的經營狀況，決定著信用社未來的發(fā)展前景，又間接地映射著農業(yè)經濟，，甚至國民經濟的發(fā)展狀況。在此背景下，本文從農村信用社農業(yè)貸款業(yè)務視角出發(fā)，以湖南省常德市9家農村信用社2006-2012年的數據為樣本，采用DEA方法和面板數據模型對農村信用社農業(yè)貸款效率及其影響因素進行實證研究。 首先，文章從常德市農村信用聯社下各縣級行社的投入產出視角出發(fā)，對不同縣級行社的農業(yè)貸款效率進行比較研究。研究表明，規(guī)模效率是影響農業(yè)貸款綜合效率的主要因素，此外，技術退步是引起農業(yè)貸款業(yè)務的全要素生產力下降的主要因素。 其次，文章從農業(yè)貸款業(yè)務流程視角出發(fā)，對農村信用社農業(yè)貸款階段效率進行研究。研究表明，資金籌集階段的效率對整體效率影響較大，并且各階段綜合效率主要由純技術效率所決定。 再次，文章采用面板數據模型，探討了農村信用社的資金結構對農業(yè)貸款效率的影響情況。在Malmquist-DEA方法的測算結果基礎上，研究發(fā)現農戶貸款率和營業(yè)稅金率對不同縣級行社的農業(yè)貸款效率無顯著影響，利息支出率和不良貸款率對農業(yè)貸款效率有負面影響，而儲蓄存款率則有正面影響。在兩階段關聯DEA方法的測算結果基礎上，研究發(fā)現營業(yè)稅金率和利息支出率對農業(yè)貸款整體綜合效率無顯著影響，不良貸款率和農戶貸款率對整體綜合效率和資金籌集階段的綜合效率具有負面影響，不良貸款率對貸款發(fā)放階段的綜合效率也具有負面影響，儲蓄存款率對整體綜合效率以及資金籌集階段的綜合效率具有正面影響，對貸款發(fā)放階段的綜合效率具有負面影響，但負面影響程度弱于正面影響程度。
[Abstract]:Rural credit cooperatives are the main force of the formal rural finance, the main body of agricultural loans, the financial ties to farmers, and agricultural loans are not only one of the core business of rural credit cooperatives, but also the core ways of agricultural finance. Agricultural loan efficiency not only directly affects the management of rural credit cooperatives themselves, determines the future development prospects of rural credit cooperatives, but also indirectly reflects the development of agricultural economy and even the national economy. In this context, from the perspective of agricultural loan business of rural credit cooperatives, this paper takes the data of 9 rural credit cooperatives in Changde City, Hunan Province from 2006 to 2012 as a sample. Using DEA method and panel data model, the paper makes an empirical study on the agricultural loan efficiency and its influencing factors of rural credit cooperatives. Firstly, from the angle of input and output of the county-level banks in Changde Rural Credit Union, the paper makes a comparative study on the agricultural loan efficiency of different county-level banks. The research shows that the scale efficiency is the main factor that affects the comprehensive efficiency of agricultural loan, in addition, the technical retrogression is the main factor that causes the decline of the total factor productivity of agricultural loan business. Secondly, from the perspective of agricultural loan business process, this paper studies the efficiency of rural credit cooperatives in agricultural loan stage. The research shows that the efficiency of the fund raising stage has a great influence on the overall efficiency, and the comprehensive efficiency of each stage is mainly determined by the pure technical efficiency. Thirdly, using panel data model, the paper discusses the influence of the capital structure of rural credit cooperatives on the efficiency of agricultural loans. Based on the results of Malmquist-DEA method, it is found that the loan ratio of farmers and the operating tax rate have no significant influence on the agricultural loan efficiency of different county-level banks, while the interest expenditure rate and the non-performing loan rate have negative effects on the agricultural loan efficiency. The savings rate has a positive effect. On the basis of the calculation results of two-stage correlation DEA method, it is found that the operating tax rate and interest expenditure rate have no significant effect on the overall efficiency of agricultural loans. The non-performing loan ratio and the farmer loan rate have negative influence on the overall comprehensive efficiency and the comprehensive efficiency of the fund raising stage, and the non-performing loan ratio also has a negative impact on the comprehensive efficiency of the loan issuance stage. The savings deposit rate has a positive effect on the overall comprehensive efficiency and the comprehensive efficiency of the fund raising stage, and has a negative impact on the comprehensive efficiency of the loan issuance stage, but the negative impact degree is weaker than that of the positive one.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.43

【參考文獻】

相關期刊論文 前10條

1 郭銘文;;我國金融效率宏觀矛盾的微觀措施[J];長白學刊;2006年03期

2 王振山;銀行規(guī)模與中國商業(yè)銀行的運行效率研究[J];財貿經濟;2000年05期

3 沈軍;白欽先;;金融結構、金融功能與金融效率——一個基于系統(tǒng)科學的新視角[J];財貿經濟;2006年01期

4 沈軍;金融效率理論框架與我國金融效率實證考察[J];金融論壇;2003年07期

5 洪芳;洪慧敏;張麗華;;湖北農村信貸供求梗阻現象剖析[J];湖北社會科學;2008年03期

6 李華明;管雪麗;;湖南省農業(yè)貸款效率實證分析[J];湖南財經高等�？茖W校學報;2009年01期

7 許玉曉;;我國農業(yè)信貸制度低效問題探析[J];海南金融;2007年09期

8 秦宛順,歐陽俊;中國商業(yè)銀行業(yè)市場結構、效率和績效[J];經濟科學;2001年04期

9 徐敏;;農業(yè)經濟發(fā)展的財政金融政策效應研究——基于狀態(tài)空間模型的分析[J];經濟問題;2011年02期

10 劉偉,黃桂田;中國銀行業(yè)改革的側重點:產權結構還是市場結構[J];經濟研究;2002年08期

本文編號：1801509