摘要
本文以济宁市为样本,分别采用超效率DEA和Tobit模型对2011-2017年农村涉农贷款投放效率及影响因素进行了实证分析,结果发现:尽管近年来涉农贷款规模不断扩大,但是效率并未随之提升;存贷比、产业结构对涉农贷款效率有促进作用,经济发展水平、城镇化水平和政府财政支出的影响为负,且金融体系改善对涉农贷款效率提升并未发挥显著作用。
Taking Jining City as a sample,this paper makes an empirical analysis on the efficiency and influenc-ing factors of agricultural loans in rural areas from 2011 to 2017 by using super-efficiency DEA and Tobit models respec-tively.The results show that although the scale of agricultural loans has been expanding in recent years,the efficiency has not been improved;the ratio of deposit to loan and industrial structure have a promoting effect on the efficiency of agricultural loans;the impact of economic development,urbanization and fiscal expenditure of government is nega-tive;and the improvement of the financial system has not played a significant role in improving the efficiency of agri-cultural loans.
作者
周梅
赵德泉
Zhou Mei;Zhao Dequan(ABC Shandong Branch,Shandong Jinan 250021;PBC Jining Central Sub-branch,Shandong Jining 272000)
出处
《金融发展研究》
北大核心
2019年第5期82-86,共5页
Journal Of Financial Development Research
关键词
乡村振兴
涉农贷款
支农效率
DEA
TOBIT
rural revitalization
agricultural loans
agricultural investment efficiency
DEA
Tobit
