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金融许可和依托组织对农村资金互助组织效率影响研究

Keywords: 农村资金互助组织, 效率, 金融许可, 依托组织

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Abstract:

我国农村资本市场容量巨大,激活农村"沉睡资本",增强农村经济活动是农业结构调整和转换方式的必经之路.农村资金互助组织是农村合作金融的创新探索与实践,能够从一定程度上激活农村地区被长期压抑的资金要素,其效率如何已成为人们关注的焦点.本文使用DEA方法对农村资金互助组织进行效率评估和实证分析,探求基于金融许可和依托组织对农村资金互助组织效率的影响程度.研究结果表明,农村资金互助组织样本的整体运行效率随资金规模的增加而增加,金融许可证对互助组织的运行效率有正向促进作用,而无依托组织背景的农村资金互助组织运行效率更高.据此,针对不同模式下提出提高农村资金互助组织效率的相关政策建议.
The rural capital market capacity of our country is big, and the activation of rural ‘sleeping capital’ for the use of rural development is a must for agricultural structural adjustment and transition. Rural Fund Cooperative (RFC) is an exploration and innovation of rural cooperative finance, and, to some extent, it cansensitize the capital which suffers from prolonged suppression. Now the academic researches are focusing on its efficiency research recently. With the method of DEA, this paper made an empirical analysis and evaluation on the RFCs operation efficiency and attempted to find the degree of the impact of financial license and supporting cooperatives on rural funds cooperative efficiency. The research results showed that the overall efficiency of RFC samples increased with the size of the funds, financial license played a positive role in promoting RFCs operation efficiency, and RFCs without farmer cooperative background had higher efficiency. Finally, the paper offered some policy suggestions for improving the efficiency of different patterns of Rural Fund Cooperatives

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