摘要
以江苏省227家农村小额贷款公司为研究样本,运用含有不良贷款作为"非期望"产出的DEA模型评估小额贷款公司运营效率,并采用Tobit模型实证分析小额贷款公司运营效率的影响因素。研究结果显示:资金规模、贷款利率对小额贷款公司的运营效率具有显著正向影响;小额贷款公司的贷款利率水平目前没有导致逆向选择;小额贷款公司贷款存在规模效应,多元化经营有利于其运营效率的提升;平均贷款额度与运营效率间存在倒U型关系。
By surveying the data from 227 microcredit companies in Jiangsu Province, this paper used the DEA model which includes non-performing loans as ＂undesirable＂ output to assess the efficiency of microcredit companies. Then used the Tobit model to analyze the factors that influence the efficiency of corresponding Microcredit Company. We found that the fund scale of microcredit companies, loan interest rate have a positive impact on microcredit companies, and the current interest rate level would not lead to an adverse selection. The economies of scale of average loan amount in microcredit companies and diversified business need to improve operational efficiency.
出处
《审计与经济研究》
CSSCI
北大核心
2014年第1期95-102,共8页
Journal of Audit & Economics
基金
教育部人文社会科学研究计划一般项目(10YJA79006)
教育部高等学校博士学科点专项科研基金项目(20120097110036)
