摘要
基于供给侧改革背景,以安徽省农村金融为研究对象,运用数据包络分析法构建BCC模型,对安徽省农村金融效率进行评价,发现安徽省农村金融整体效率偏低且呈现出较强的区域差异性,纯技术效率较低说明农村金融管理水平、产品和服务创新能力不足,规模效率处于相对较高水平但是仍然有较大的提升空间。应该进一步深化农村金融供给改革,合理配置农村金融资源,破除农村金融供给约束和抑制,提升农村金融机构管理水平,创新农村金融产品和服务,解决农村金融存在的结构性错配的矛盾,创新抵质押贷款担保方式,防范和控制农村金融风险。
Based on the background of supply-side reform and taking rural finance in Anhui Province as the research object,this paper uses data envelopment analysis method to construct BCC model to evaluate the rural financial efficiency of Anhui Province.It is found that the overall efficiency of rural finance in Anhui Province is relatively low and shows strong regional differences.The low pure technical efficiency indicates the level of rural financial management.The innovation ability of products and services is insufficient,and the scale efficiency is relatively high,but there is still much room for improvement.Therefore,we should further deepen the reform of rural financial supply,rationally allocate rural financial resources,break the restriction and restraint of rural financial supply,improve the management level of rural financial institutions,innovate rural financial products and services,solve the contradiction of structural mismatch in rural finance,innovate the guarantee mode of mortgage loan,and prevent and control rural financial risks.
作者
耿刘利
黎娜
GENG Liuli;LI Na(School of Economics and Management,Chuzhou University,Chuzhou,Anhui 239000,China)
出处
《成都师范学院学报》
2019年第3期82-87,共6页
Journal of Chengdu Normal University
基金
2017年安徽省高等学校人文社会科学重大研究项目"农业供给侧改革视角下安徽农村金融机构服务模式创新
风险评估与控制研究"(SK2017ZD30)
关键词
供给侧改革
农村金融
金融效率
金融风险
supply-side reform
rural finance
financial efficiency
financial risk
