农村中小金融机构X效率
影响因素研究*
——基于浙江省的数据

经济理论与经济管理 ›› 2015, Vol. 35 ›› Issue (7): 55-62.

农村中小金融机构X效率
影响因素研究*
——基于浙江省的数据

傅昌銮1,朱西湖2

1 浙江外国语学院国际商学院; 2 浙江大学中国农村发展研究院

出版日期:2015-07-16 发布日期:2015-07-20
作者简介:傅昌銮，浙江外国语学院国际商学院，邮政编码：310012，电子信箱：changluanfu@hotmailcom；朱西湖，浙江大学中国农村发展研究院。
基金资助:
本文受到浙江省哲学社会科学规划基金项目（13NDJC050YB）、浙江省151人才工程第三层次重点培养基金以及浙江外国语学院高层次人才第二梯队基金的资助。

STUDY ON XEFFICIENCY OF RURAL SMALL AND MEDIUMSIZED
FINANCIAL INSTITUTIONS ——Based on the Data of Zhejiang Province

FU Chang-Luan-1, ZHU Xi-Hu-2

1International Business School，Zhejiang International Studies University；
2China Academy for Rural Development，Zhejiang University

Online:2015-07-16 Published:2015-07-20

摘要/Abstract

摘要： 本文从内、外两个方面探讨影响农村中小金融机构X效率的因素，并构建了分析农村中小金融机构X效率影响因素的基本回归模型。笔者选择自由分布法（DFA）等方法来测度金融机构的效率，并选用普通的最小二乘法估计方程，利用2010—2012年浙江省的调研数据来进行实证研究。研究表明，具有较大市场份额、贷款主动性较高的金融机构X效率也较高。同时，所处区域的经济增长以及金融市场发展程度也具有正向促进作用。但市场集中程度过高则会抑制农村中小金融机构X效率的提高，因此需要采取措施鼓励市场竞争，以防患于未然。另外，经济增长与金融市场发展对农村中小金融机构X效率具有负面的交叉效应，因此在推进中小金融机构的发展过程中，需要区别对待不同发展程度的区域。

关键词: 农村金融 , X效率 , 中小金融机构 , 自由分布法

Abstract: This paper discusses the factors that influence Xefficiency of rural small and mediumsized financial institutions (RSMFI) from inside and outside aspects and builds the basic regression modelThis paper selects the DFA and other ways to measure the efficiency of financial institutionsThe empirical study is based on the survey data of 2010—2012 years from Zhejiang province and using the least squares estimation equationThe research shows that the financial institution that has a large market share and high initiative of loan also has high XefficiencyAt the same time，the regional economic growth and the degree of financial market development also have positive rolesBut the market concentration degree will inhibit the improvement of Xefficiency of the RSMFI if it is too highSo it should take measures to encourage competition in the marketIn addition，the growth of economic and the development of financial market have negative cross effects on Xefficiency of RSMFI，which should be treated differently at different areas in the process of small and mediumsized financial institutions

Key words: rural finance , Xefficiency , small and mediumsized financial institutions , distribution free approach

傅昌銮1, 朱西湖2. 农村中小金融机构X效率
影响因素研究*
——基于浙江省的数据[J]. 经济理论与经济管理, 2015, 35(7): 55-62.

FU Chang-Luan-1, ZHU Xi-Hu-2. STUDY ON XEFFICIENCY OF RURAL SMALL AND MEDIUMSIZED
FINANCIAL INSTITUTIONS ——Based on the Data of Zhejiang Province[J]. Economic Theory and Business Management, 2015, 35(7): 55-62.