中国农业大学学报2017，Vol.22Issue(9)：174-182,9.DOI:10.11841/j.issn.1007-4333.2017.09.21
农户贷款拖累农村信用社的经营绩效吗?
Does farmer loan harm the performance of the rural credit cooperative?
摘要
Abstract
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 nonperformance 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/DEA-Tobit两阶段法Key words
farmer loan/rural credit cooperative/operating performance/DEA-Tobit two-stage approach分类
管理科学引用本文复制引用
鞠荣华,肖迪..农户贷款拖累农村信用社的经营绩效吗?[J].中国农业大学学报,2017,22(9):174-182,9.基金项目
农业部“十三五”农业农村经济发展规划编制前期研究重大课题第33号 （）
