农村金融机构竞争与农村资金配置效率——基于省际面板数据的实证分析

The Competition of Rural Financial Institutions and Allocation Efficiency of Rural Capital:based on Empirical Analysis of Provincial Panel Data

文章使用超效率DEA模型,测算了我国2004~2015年各省农村资金配置效率,结合各地区农村金融机构数目、类型以及资产总量不断增多后导致的竞争加剧分析了其对农村资金配置效率的影响。结果表明：该时期农村资金配置效率呈先升后降再上升的趋势;同时,金融机构竞争加剧对农村资金配置效率起到正向作用。对此,笔者认为在坚持农村地区金融改革的同时,对不同地区农村金融机构的发展需匹配不同的政策,因地制宜。

This study using Super Efficiency DEA method, measuring the rural capital allocation efficiency of 30 provinces from 2004 to 2015 of China, then combining with the increasing of asset, number and type of ru-ral financial institutions, which lead to the competition on rural financial market, analysis the impact on rural capital allocation efficiency. The result shows that this period, rural capital allocation efficiency basically experience a period of rise-decline-rise, and the increasing competition of financial institutions have provide a positive influence to capital allocation efficiency. To this, the article thinks that while up-holding the reform of financial system in rural areas, the development of rural financial institutions in dif-ferent regions should match different policies and adapt to local conditions.