基于DEA的新型农村金融与县域经济增长的实证研究——来源于2009—2011年广西村镇银行的数据

An Empirical Study on the New Type of Rural Finance and County Economic Growth Based on DEA——Based on the Data of Rural Banks in Guangxi 2009-2011

通过2009—2011年广西部分县域经济和金融数据,以金融密度、小额农贷占比、贷款余额和不良贷款比例四个金融变量为投入变量,以地方生产总值和城市化率为产出变量,采用DEA方法,实证研究新型农村金融对地方经济增长的影响机理。研究表明,新型农村金融对县域经济增长的影响主要是通过小额农贷、金融密度和贷款质量等实现;同时,由于不同县域存在不同的资源禀赋、金融生态环境等现象,其影响程度也存在一定的差异性。因此,应该因地制宜,发展新型农村金融;优化资源,加快城乡金融一体化发展;注重效率,提高农村金融市场化程度。

Based on the economic and financial data of several counties in Guangxi from 2009 to 2011,with four financial variables of financial density,proportion of rural micro-credit,loan balance and ratio of non-performing loans as the input variables,and with local GDP and urbanization ratio as the output variables,this paper makes an empirical study on the impact mechanisms of the new type of rural finance on local economic growth with the DEA method.The study shows that the impacts of new rural finance on county economic growth are mainly reflected in the forms of rural micro-credit,financial density and loan quality.At the same time,the degrees of impacts are different due to diverse resource endowments and financial ecological environment in different counties.Thus,the new type of rural finance should be developed with,measures that suit local conditions;the resources should be optimized to accelerate the integrated urban and rural development;and the efficiency to make rural finance more market-oriented should be emphasized.