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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。
Based on the panel data of 76 rural credit cooperatives in a province, the paper uses DEA-Tobit two-stage method to study the relationship between the amount of rural household loans and the operating performance of rural credit cooperatives. The results show that the rural households’ In order to further explore the path of rural households ’loan impacting the performance of rural credit cooperatives, this paper empirically analyzes the ratio of rural households’ loan to the cost-income ratio, non-performing loan ratio, loan interest rate, business tax And the relationship between income tax and additional income. It was found that the ratio of rural households’ loan to the cost-to-income ratio was positively related to the loan interest rate, negatively related to business taxes and surcharges and income tax, and not to the non-performing loan ratio. Based on the above conclusions, the countermeasures and suggestions for improving peasant household loans are put forward.