作　　者： (鞠荣华）; (肖迪）;

机构地区： 中国农业大学经济管理学院,北京100083

出　　处： 《中国农业大学学报》 2017年第9期174-182,共9页

摘　　要： 利用DEA-Tobit两阶段法,基于某省76家农村信用社的面板数据,对农户贷款发放量与农村信用社经营绩效之间的关系进行了研究,结果表明,农户贷款对提高农村信用社经营绩效有正向影响;为进一步探讨农户贷款影响农村信用社经营绩效的路径,又实证分析了农户贷款比例与影响农村信用社经营绩效的成本收入比、不良贷款率、贷款收息率、营业税金及附加和所得税之间的关系,发现农户贷款比例与成本收入比和贷款收息率正相关,与营业税金及附加和所得税负相关,与不良贷款率不相关。基于以上研究结论,提出了改善农户贷款的对策建议。 Using 76 rural credit cooperatives （RCC） panel data,empirical analyses are conducted to investigate the effect of farmer loan on RCC＇s operating performance by means of DEA-Tobit two-stage approach and found out that granting more farmer loan is helpful for increasing the performance of RCC.To discuss the paths of farmer loan influenc on the RCC＇s performance,the relations of farmer loan with the factors that influence on the RCC＇s performance such as cost revenue ratio,non-performance loan ratio,loan interest collecting ratio,business tax and surcharges,and income tax were analyzed further.The results show that the farmer loan has positive relation with cost revenue ratio and loan interest collecting ratio,negative correlation with business tax,surcharges and income tax,and no relevance with non-performance loan ratio.In the end,some suggestions to improve farmer loan on the basis of the results are put forward.

关 键 词： 农户贷款 农村信用社 经营绩效 两阶段法