安徽省农村金融效率评价及影响因素分析——基于DEA—Tobit方法

Evaluation of Rural Financial Efficiency and Analysis of Influencing Factors in Anhui Province——Based on DEA—Tobit Method

在长江三角洲区域一体化发展的国家战略背景下,安徽省作为农业大省,必将继续深入实施乡村振兴战略。因此,实证分析安徽省农村金融效率水平及其影响因素,从而为提高安徽省农村金融服务水平和农村金融效率提出建议,对安徽省农村经济发展具有重要意义。运用DEA—Tobit模型测算安徽省2005—2018年的农村金融效率并分析其影响因素,发现安徽省农村金融综合效率、规模效率在2005—2016年总体呈下降趋势,但在2017—2018年有所上升;安徽省农村金融综合效率和规模效率相对偏低,纯技术效率相较而言稳定偏高;农村总体经济水平、农业化水平、农村居民消费水平对安徽省农村金融综合效率起积极作用,农村金融机构贷款水平、农村经济膨胀水平对其起消极作用。

Under the background of the national strategy of regional integration in the Yangtze River Delta,Anhui Province,as a major agricultural province,will continue to implement the Rural Revitalization Strategy.Therefore,it is of great significance to analyze the rural financial efficiency and its influencing factors in Anhui Province,so as to improve the rural financial service level and rural financial efficiency in Anhui Province.Using DEA—Tobit model to calculate the rural financial efficiency of Anhui Province from 2005 to 2018 and analyze its influencing factors,it is found that the overall efficiency and scale efficiency of rural finance in Anhui Province show a downward trend from 2005 to 2016,but increase from 2017 to 2018;the comprehensive efficiency and scale efficiency of rural finance in Anhui Province are relatively low,while the pure technical efficiency is relatively stable;the overall economic level,agricultural level and consumption level of rural residents play a positive role in the comprehensive efficiency of rural finance in Anhui Province,and the loan level of rural financial institutions and the level of rural economic expansion have a negative effect on them.