| 小额贷款公司财务效率和社会效率及其影响因素-基于DEA Tobit两阶段法的实证分析 |
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| 引用本文：冯海红1，2.小额贷款公司财务效率和社会效率及其影响因素-基于DEA Tobit两阶段法的实证分析[J].财经理论与实践,2017,(3):33-38 |
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| 中文摘要:基于2013—2015年山东省259家小额贷款公司的面板数据，运用DEA Tobit两阶段法分析小额贷款公司财务效率和社会效率及其影响因素。实证结果表明：小额贷款公司社会效率的均值低于财务效率的均值，同时小额贷款公司在财务效率方面差异较小，并且总体水平较高，而社会效率的分布相对比较分散，并且总体水平较低。盈利能力、融资结构和地区经济发展水平对小额贷款公司的财务效率存在显著的正向影响；涉农贷款比例对财务效率和社会效率均产生显著的正向影响。国有集体资本参股和设立在县域有利于社会效率的提高；经营时间和小额贷款公司社会效率存在负相关关系，但对财务效率的影响并不显著。 |
| 中文关键词:小额贷款公司 财务效率 社会效率 DEA Tobit |
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| Financial and Social Efficiency and its Influencing Factors of Microcredit Company An Empirical Study Based on DEA Tobit Two Stage Method |
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| Abstract:Based on the panel data of 259 microcredit companies for the period of 2013—2015 in Shandong province，this paper analyzes the financial and social efficiency and influencing factors of microcredit companies by using the DEA Tobit two stage method.The results show that: firstly，the average value of social efficiency of the microcredit company is lower than the average value of financial efficiency.Meanwhile，the difference of financial efficiency is small，and its overall level is high.However，the distribution of social efficiency is relatively scattered，and its overall level is generally low；secondly，profitability，financing structure and regional economic development level have a significant positive impact on the financial efficiency of microcredit companies.The percentage of agriculture related loan has a significant positive impact on financial efficiency and social efficiency；thirdly，state owned collective capital shares and founded in the county are conducive to the improvement of social efficiency.There is a negative correlation between the operating time and the social efficiency of microcredit companies，but the impact on financial efficiency is not significant. |
| keywords:Microcredit company Social efficiency Financial efficiency DEA Tobit |
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