【摘要】 文章以全国131家小额贷款公司2011~2014年的面板数据对象,采用随机前沿方法测算了小额贷款公司的成本效率和利润效率及其影响因素,研究结论显示:(1)我国小额贷款公司的成本效率和利润效率水平较低,平均水平分别为53.13%和47.33%;(2)东部地区小额贷款公司的成本效率和利润效率水平均为最高,西部地区次之,中部地区最低;(3)非效率的影响因素结果表明:贷款笔数、涉农贷款比例、权益资产比与成本效率呈现负相关关系,贷款资产比与成本效率呈现正相关关系;而贷款笔数、权益资产比与利润效率呈现负相关关系;涉农贷款比例、贷款资产比与利润效率呈现正相关关系。更多还原

【Abstract】 Based on the panel data of 131 small loan companies from 2011 to 2014,this paper uses the stochastic frontier approach(SFA)to estimate cost efficiency and profit efficiency of small loan companies and their influencing factors.The main conclusions are China’s small loan company’s cost efficiency and profit efficiency levels are low,with the average level at 53.13% and 47.33%respectively,so small loan companies’ cost control and profit creation ability need to be further improved;The cost efficiency and profit efficiency of small loan companies in the eastern region of China are the highest,those in the western region rank the second,and the lowest is the central region;The empirical results of influencing factors of non-efficiency show that loan frequency,proportion of agricultural loans and for equity to asset ratio are negatively related with cost efficiency;loan to asset ratio is positively correlated with cost efficiency;loan frequency and equity to asset ratio show negative correlation with profit efficiency;proportion of agricultural loans and loan to asset ratio are positively related with the profit efficiency.更多还原