摘要
以2010—2015年陕北榆林地区12家小额信贷机构的相关数据为依据,利用DEA模型和回归模型分析了小额信贷机构的运行绩效及其影响因素。结果显示:小额信贷机构的运行绩效总体较好,但仍需增强储蓄吸收能力、资产管理能力、资产利用能力与风险管理能力,同时还应积极推进小额信贷技术的创新,进而提高小额信贷机构的运行绩效。
Based on the relevant data of 12 microfinance institutions in Yulin region of Northern Shaanxi from 2010 to 2015,the paper analyzed the operational performance and influencing factors of microfinance institutions by the use of DEA model and regression model.The results show that microfinance institutions have good operational performance generally,but they need strengthening the capabilities of savings absorption,asset management,asset productivity and risk control; and they should also promote the innovation of micro-credit technology,and thus improve the operational performance of microfinance institutions.
出处
《西安石油大学学报（社会科学版）》
2017年第6期33-39,共7页
Journal of Xi’an Shiyou University:Social Science Edition
关键词
榆林地区
小额信贷
运行绩效
DEA模型
信用联社
Yulin region
micro-credit/micro-finance
operational performance
DEA model
credit cooperatives
