基于数据包络分析法的涉农金融机构经营效率分析

Research on the operational efficiency of agriculture-related financial institutions based on data envelopment analysis

文章以2012年246家涉农金融机构的4项投入因素(员工人数、总利息支出、非利息费用与净值)与3项产出因素(贷款收入、非贷款收入与逾期贷款比率)为研究对象,利用非预期因素数据包络分析法,分析涉农金融机构经营效率的评估,并提出达到相对有效率应改善的方向。研究发现:舍弃逾期贷款比率与不舍弃逾期贷款比率的产出导向BCC模型间,占总体样本的8.54%,显现两种方法有其差异性。这是因为涉农金融逾期贷款比率愈高,需要付出更多的人力去催讨与处理抵押品的损失,皆会影响涉农金融机构经营效率。此外,投入或产出项需要调整的涉农金融机构占80.89%。涉农金融机构经营效率低下的主要原因是资源分配不当,如何降低经营成本与开拓业务实属当务之急。

In this study,there had been analyzed the efficiency of agriculture-related financial institutions operating by undesirable factors data envelopment analysis,which include four input factors （ number of employees,total interest expense, non-interest expense and net） and three output factors （loan income, non-lending income and overdue loan ratio）of 246 agriculture-related financial institutions in 2012. It was put forward to achieve the improved direction which relatively effficient.There are 8.54% agricultural finance have different operating efficiency,which evaluated between the ratio of overdue loans overdue loan ratio of output-oriented BCC models, which include overdue loan ratio or not.There show their difference in two ways.It is higher for this agriculture-related financial overdue loan ratio, which reason is need to pay more manpower to deal with.In addition, there had to need to adjust the inputs or outputs for 80.89% agriculture-related financial institutions.The poor operating efficiency of agriculture-related financial institutions mainly due to misallocation of resources.It is imperative how to reduce operating costs and develop their business.