摘要
结合江苏当前新型农村金融试点情况与监管现状,运用BCL模型对金融监管政策效果进行实证研究,结果表明:小额贷款占比与小额贷款公司经营绩效显著正相关,涉农贷款占比与小额贷款公司经营绩效只在苏北地区显著正相关,中长期贷款占比与小额贷款公司经营绩效在全省和苏南地区显著负相关;外部融资指标与小额贷款公司经营绩效显著正相关;利率与小额贷款公司经营绩效显著正相关;人均GDP与小额贷款公司经营绩效的关系不显著;金融机构数量与小额贷款公司经营绩效显著负相关。
Based on the current situation of the pilot new rural finance and the present status of supervision in Jiangsu Province,this paper uses the BCL model to value the financial supervision performance in the rural micro-credit companies. The empirical results show that the ratio of small loan has a significantly positive correlation with micro-credit companies operation efficiency,while ratio of agricultural loans has a positive correlation only in the north of Jiangsu. Ratio of medium and longterm loans has a significantly negative correlation with micro-credit companies operation efficiency in Jiangsu Province and the south of Jiangsu. External financing index has a positive correlation with micro-credit companies operation efficiency. Interest rate also has a positive correlation with micro-credit companies operation efficiency. The relationship between regional per capita GDP and the micro-credit companies operation efficiency is not significant. Numbers of financial institutions have negative impact on micro-credit companies operating efficiency.
出处
《南京审计学院学报》
2015年第2期29-36,共8页
journal of nanjing audit university
基金
江苏高校哲学社会科学研究重大项目与重点项目(2011ZDAXM020)
江苏高校优势学科建设工程资助项目
关键词
新型农村金融机构
小额贷款公司
金融监管政策
绩效评估
BCL模型
公司经营绩效
农村金融改革
new rural financial institutions
micro-credit companies
financial regulatory policy
performance evaluation
BCL Model
corporate business performance
rural financial reform