西部欠发达地区县域金融效率评价——以青海省县域为例

The Evaluation on County-level Financial Efficiency in Western Underdeveloped Regions——A Case of the County-level Regions in Qinghai Province

本文以青海省县域为例,运用关联两阶段网络DEA模型和Jeffrey Wurgler的资本配置效率模型,对西部欠发达地区县域金融机构的运营效率进行实证研究,结果表明:从运营效率来看,贷款环节效率低下;从服务效率来看,绝大多数县域信贷资源配置处于缺乏效率状态,尚未形成稳定的资本形成路径。在此基础上,本文提出了提高欠发达地区县域金融效率的对策建议。

Setting county-level regions in Qinghai province as an example, using DEA model and Jeffrey Wurgler model, the paper makes an empirical research on the operation efficiency of county-level financial institutions in western underdeveloped regions. The results show that from the angle of operation efficiency, loan efficiency is low; From the point of service efficiency, the majority of the county-level credit resource allocation is in the inefficient state, and has not yet formed stable capital forming path. On the basis, the paper puts forward the countermeasures to improve the county-level financial efficiency in underdeveloped regions.