基于双目标的农村信用社效率评价——以陕西省为例

Efficiency Evaluation of Rural Credit Cooperatives Based on Double Target

本文以陕西省60个信用社的数据为基础,首先分别测度了样本社可持续经营方面的效率和服务"三农"效率,然后以资产作为投入指标,以测度出的样本社可持续经营效率值和服务"三农"效率值作为产出指标,测度了陕西省农村信用社的综合效率,结论如下:陕西省涉农地区绝大部分信用社的综合效率较差,规模收益递减导致规模不经济现象等。

Based on the data of 60 Credit unions in Shaanxi province,this article estimated their efficiency in sustainable business and rural services.And evaluate overall efficiency about Rural Credit Cooperatives that with assets of input index,service 'rural areas,farmers and agriculture' efficiency and sustainable management efficiency of output index.Conclusion which are poor overall efficiency;diseconomies of scale were put forward.The conclusion is that west of Rural Credit Cooperatives is less efficent and cause the diseconomies of scale phenomenon.