中小企业信用担保运行效率评价

Operational Efficiency Evaluation of Credit Guarantee for SMEs

综合考虑信用担保机构的盈利能力、风险承受能力和信用能力,采用DEA效率评价方法对东北某省担保协会的信用担保综合运行效率(技术效率、规模效率)以及投入冗余和产出不足情况进行了实证分析.结果表明:大部分信用担保处于综合运行无效状态;信用担保的技术效率均高于综合运行效率但没有达到纯技术效率;信用担保利用现有经营管理技术的能力较强,能在减少投入的同时提高产出水平;大部分信用担保处在规模不经济状态,存在产出不足和投入冗余的情况.说明合理的后续投入和相匹配的产出,才能发挥信用担保的效用.

Considering the profitability,risk sustainability and creditability of credit guarantee institution,a DEA-based efficiency evaluation was made to the composite operational efficiency including technical efficiency and scale efficiency of credit guarantee in a province of Northeast China with an empirical analysis made to the input redundancy and output deficiency. The results showed that most of the credit guarantees are in an inefficient state where although the technical efficiency is higher than the composite efficiency,it is purely not technical in fact. At present the credit guarantee is highly competent to take advantage managing techniques to decrease the input with the output level raised simultaneously,but most of credit guarantees are in a diseconomic scale state with both input redundancy and output deficiency. The fact implies that the credit guarantee cannot make its due contribution until the subsequent input is reasonable with corresponding output.