基于超效率DEA的房地产信贷资金配置效率研究

Study on the Allocation Efficiency of Real Estate Credit Funds Based on Super Efficiency DEA

文章针对投放到房地产领域的信贷资金配置效率问题进行研究,利用超效率DEA建立分析模型,以我国35个大中城市作为研究样本,分别选取了2005年的投入指标和2007年的产出指标,实证检验了上述城市房地产信贷资金的配置效率。研究发现,整体上房地产信贷资金配置效率不高,只有48%的城市达到了DEA有效,其余52%的城市没有达到DEA有效;投放在房地产领域的信贷资金,配置效率呈现出地域化分布,DEA有效的城市集中分布在东北和西北地区,未达到DEA有效的城市集中分布在中部和南方地区。

This paper focused on the allocation efficiency of credit funds invested to the real estate market. The super efficiency Data Envelopment Analysis （DEA） model was set up. The allocation efficiency of the real estate credit funds in 35 cities in China was verified with the indicators in 2005 as input and indicators in 2007 as output. The research result shows that the overall allocation efficiency of the real estate credit funds is low. Only 48% of the cities reach DEA efficient, and the other 52% reach DEA inefficient. The allocation efficiency of credit funds shows the regional distribution. The cities meet DEA efficient concentrate in the northeast and northwest regions, while the cities which not meet DEA efficient concentrate in central and southern regions.