农村金融效率随机测度与影响因素分析

采用数据包络分析（DEA）方法对全国农村金融效率进行测度,并利用Bootstrap-DEA方法修正随机冲击所造成的偏误,进而对全国各地区的农村金融效率作整体的评价和比较,在此基础上采用Tobit模型分析影响农村金融效率的主要因素。实证结果表明：全国农村金融效率普遍偏低,且各地区存在较明显的差异,金融支持农村发展是提高农村金融效率的有效改进方法。应健全农村金融法律法规体系和提高农村金融管理水平,加大金融资产在农村的投入。

Analysis on Random Measurement and Influencing Factors for Rural Financial Efficiency

By using data envelopment analysis （DEA） method, the paper measures the national rural financial efficiency in China. The deviations and errors caused by random measurement are corrected by use of DEA - based Bootstrap methods, thus the efficiency of rural finance in various regions in China as a whole is evaluated and compared. Hence, an empirical analysis is made on the main factors affecting rural financial efficiency via Tobit model. The empirical results show that： the national rural financial efficiency is low in general, and there are obvious differences in different regions, and that financial support for rural development is an effective method to improve the efficiency of rural finance. It＇ s necessary to perfect the laws and regulations on rural finance, improve rural financial management level, and increase investment in rural financial assets.