摘要
运用数据包络分析模型(DEA),以河南省28家信用社调查材料为依据,从总技术效率、纯技术效率与规模效率三个视角,对河南省金融机构开展农村土地经营权抵押贷款经营效率进行了评价。结果表明:信用社在抵押贷款运作方面存在总体技术效率偏低、总体规模效率不高、规模效应尚未充分发挥等问题,因此,要从加强内部风险控制、适度扩大银行规模及提升金融创新能力等方面改善农村土地经营权抵押贷款经营效率。
Based on the investigation in 28 financial institutions in Henan Province, The author made an statistical analysis on the efficiency of land contracted right mortgage by using the data envelopment analysis model. The results showed that technological efficiency, inefficiency in overall size and econo-mies of scale is low overall. Finally, the author put forward some proposals, such as strengthening inter-nal risk control, expanding the scale of Bank etc.
出处
《金融理论与实践》
北大核心
2014年第4期61-67,共7页
Financial Theory and Practice
基金
国家自然科学基金青年科学基金项目"农村土地经营权抵押贷款跟踪研究:供需
效果与机制分析"(编号:71203147)
河南省科技计划项目"农村土地经营承包权融资问题研究"(编号:132400410220)
