| 小额贷款公司区域经营效率研究——基于普惠金融视角 |
 点此下载全文 |
| 引用本文：林 春.小额贷款公司区域经营效率研究——基于普惠金融视角[J].财经理论与实践,2017,(5):39-45 |
| 摘要点击次数: 812 |
| 全文下载次数: 0 |
|
|
| 中文摘要:运用DEA超效率模型和Malmquist指数模型对我国31个省（市、自治区）的小额贷款公司的静、动态效率进行测算及评价，结果显示：从静态效率看，我国小额贷款公司的整体效率并不高，并且在考察期内呈倒U型，其中，东部地区最好；中部地区最差；西部地区适中，但增长潜力较大。从动态效率来看，我国小额贷款公司的全要素生产率整体上增长状况良好，其中，西部地区增长最快,中部地区比较缓慢，而东部地区出现负增长。为此，国家应采取相应对策措施，完善小额贷款公司治理机制，以实现其承载普惠金融的财务目标。 |
| 中文关键词:普惠金融 小额贷款公司 经营效率 收敛性 |
| |
| A Study on the Operating Efficiency of the Regional Micro--credit Companies: An Inclusive Financial Perspective |
|
|
| Abstract:This article makes use of the super efficiency DEA model and Malmquist index model to calculate the static and dynamic efficiency of micro credit companies in 31 provinces in our country (municipalities and autonomous regions).The conclusion is that：from the perspective of the static efficiency，Chinas small loan companys efficiency is not high，and within the study period it is inverted U shape.And among them，the eastern region is the best，the central area is the worst，and the western region is moderate but the growth potential；from the point of dynamic efficiency，Chinas small loan company total factor productivity growth is good.And among them，the western region is the fastest，the central region is slow，and the eastern region is negative.Therefore，the state should take corresponding countermeasures to improve the management mechanism of micro credit companies in order to achieve the goal of carrying inclusive financial. |
| keywords:inclusive finance micro credit companies operating efficiency convergence |
| 查看全文 查看/发表评论 下载pdf阅读器 |
