Economic Theory and Business Management ›› 2015, Vol. 35 ›› Issue (7): 55-62.
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FU Chang-Luan-1, ZHU Xi-Hu-2
Online:
Published:
傅昌銮1,朱西湖2
作者简介:
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。
Abstract: This paper discusses the factors that influence Xefficiency of rural small and mediumsized financial institutions (RSMFI) from inside and outside aspects and builds the basic regression modelThis paper selects the DFA and other ways to measure the efficiency of financial institutionsThe empirical study is based on the survey data of 2010—2012 years from Zhejiang province and using the least squares estimation equationThe research shows that the financial institution that has a large market share and high initiative of loan also has high XefficiencyAt the same time,the regional economic growth and the degree of financial market development also have positive rolesBut the market concentration degree will inhibit the improvement of Xefficiency of the RSMFI if it is too highSo it should take measures to encourage competition in the marketIn addition,the growth of economic and the development of financial market have negative cross effects on Xefficiency of RSMFI,which should be treated differently at different areas in the process of small and mediumsized financial institutions
Key words: rural finance , Xefficiency , small and mediumsized financial institutions , distribution free approach
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
FU Chang-Luan-1, ZHU Xi-Hu-2. STUDY ON XEFFICIENCY OF RURAL SMALL AND MEDIUMSIZED FINANCIAL INSTITUTIONS ——Based on the Data of Zhejiang Province[J]. Economic Theory and Business Management, 2015, 35(7): 55-62.
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.
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http://jjll.ruc.edu.cn/EN/Y2015/V35/I7/55