含有中间变量的农村信用社可持续经营效率评价

Evaluation of Rural Credit Cooperative's Sustainable Management Efficiency with Intermediate Variable

本文借助含有中间变量的两阶段DEA评价方法对陕西省涉农地区不同信用社的可持续经营效率进行了评价。得出了大部分涉农地区基层信用社存在存款严重不足、发放贷款效率比吸收存款效率高、非利息支出过多、非利息收入不足等结论。

With the help of two-stage DEA evaluation method with intermediate variables, this paper gives an evaluation of the sustainable management efficiency of different credit cooperatives in agricultural areas in Shaanxi province. The conclusion is that the basic-level credit cooperatives in most agricultural areas are facing such problems, such as, serious deposit shortage, higher efficiency in loan issuing than deposit taking, too much non-interest expense and insufficient non-interest income and so on.