基于DEA分析法的西部地区农村信贷资金配置效率及其影响因素研究

Study on the Efficiency of Rural Credit Fund Allocation and Its Influencing Factors in Western China: DEA Analysis

实施乡村振兴战略,不仅要关注农业信贷资金量的投入,还要密切留意资金的使用效率,以期达到占用最少的金融资源、收到最佳效果的目的。本文选择6个指标衡量投入与产出,运用DEA分析法对西部地区2008～2017年农村信贷资金配置效率进行了实证分析,并选择7个指标运用Tobit模型对其影响因素进行了分析,结果显示西部地区农村信贷资金配置效率存在显著的区域性差异,经济发展水平、城乡二元结构是影响配置效率状况的显著因素,最后就如何提高西部地区农村信贷资金配置效率提出了对策建议,如构建金融机构在农村市场适度竞争的格局、创新农村金融供给方式、加大政策支持力度等。

In 2018,the CPC central committee and the state council on the implementation of rural revitalization strategy proposed to'allocate more financial resources to key areas and weak links of rural economic and social development'.To implement the strategy of rural revitalization,we should not only pay attention to the input of agricultural credit funds,but also pay close attention to the use efficiency of funds,so as to achieve the expectation of taking up the least financial resources but getting the best results.This article build a six-index system for measuring input and output,using the DEA method to the western region rural credit capital allocation efficiency in 2008~2017 to carry on the empirical analysis,and build a seven-index system using Tobit model to analyze the influence factors,results show that in the western region rural credit capital allocation efficiency significant regional differences,economic development level,urban and rural dual structure are the significant factors influencing the allocation efficiency condition,finally on how to improve the western region rural credit capital allocation efficiency,we put forward countermeasures and suggestions,such as constructing financial institutions in the rural market to develop a moderate competition pattern,making innovations in rural financial supply mode,increasing policy support.