摘要
农村金融是我国金融体系重要组成部分,效率是农村金融持续发展的关键。目前我国农村地区金融效率不高,已成为制约农村经济发展、农业产业转型升级及农民收入增长的主要障碍。鉴于此,基于403份问卷调查数据,运用DEA-Logistic回归模型实证分析山东省农村金融资源配置效率及影响因素。结果表明,山东省农村金融资源配置效率水平有待提高,且存在地区差异;农户人均收入水平、农村金融生态环境、农村产权抵押贷款推进及贷款公平性对农村金融资源高效配置作用显著,农户个体特征变量无显著影响。提高农村金融资源配置效率的关键在农村金融供给端,提高农户收入水平的同时,注重推进农村金融改革,改善农村金融市场生态环境。
Rural finance is an important part of China＇s financial system.The key to sustainable development of rural finance is efficiency.However,the financial efficiency of rural areas in China is not high,which has become a major obstacle to the development of rural economy,the transformation and upgrading of agricultural industries and the growth of farmers＇income.In view of this,based on 403 survey data,the super-efficiency DEA-Logistic model were used to analyze the efficiency of rural financial resource allocation and its influencing factors in Shandong Province.The results showed that the allocation efficiency of rural financial resources in Shandong Province needed to be improved and regional differences exist;the per capita income level of rural households,the favorable rural financial ecological environment,the advancement of rural property mortgage loans and the fairness of loans to rural financial resources.Significantly,the effect of farmers individual characteristics variables was not significant.The key to improve the efficiency of rural financial resource allocation lied in the supply side of rural finance.At the same time,the rural financial reform should be further promoted to improve the ecological environment of rural financial market.
出处
《农业经济与管理》
2017年第2期45-53,共9页
Agricultural Economics and Management
基金
国家社会科学基金项目(13BJY095)
