摘要
以山东省为样本,采用随机前沿法测算地区邮储银行小额贷款业务的效率,并对收入水平、贷款额度对效率水平的影响进行实证分析后发现,小额贷款业务总体效率水平较高,而且县域地区支行效率高于城区支行;在其他因素相同的条件下,农民收入水平越低的地区,小额贷款业务效率越高;此外,单笔贷款额度的大小对小额贷款业务效率并没有显著影响。
We estimate efficiencies of microfinance business of postal savings bank branches in Shandong Province,using stochastic frontier approach（SFA）,and then analysis the influence of the levels of income and loan amount on efficiencies.Empirical results indicate that the overall efficiency of microfinance levels are high and the efficiency of urban branches more efficient than the County District Branch.The microfinance business is more efficient in the lower farmer incomes area.In addition,the amount of microfinance has no significant effect on the efficiency of microfinance.
出处
《改革》
CSSCI
北大核心
2012年第2期120-125,共6页
Reform
基金
教育部社科规划基金项目"新型农村金融机构创新与绩效研究"(批准号:11YJA790046)
关键词
小额贷款
邮政储蓄银行
银行贷款
microfinance
Postal Savings Bank Branches
bank loan
