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中文摘要：
以陕北地区2008～2011年数据为基础，对农村合作金融机构运行效率及其影响因素进行实证分析。研究结果表明，样本整体效率有所退化；地区效率呈梯度式变化态势；改制成本造成股份制样本效率低下；技术落后与市场竞争导致经济发展和农村合作金融机构之间的不适应；农业贷款比、不良贷款率、流动性比和产权形式对综合效率、纯技术效率和规模效率均有显著影响；贷存比主要影响规模效率；第一产业占比对综合效率和纯技术效率有显著影响。据此提出开展农村产权抵押融资试验、支持传统农业向现代农业转型、充实农村合作金融机构资本金的同时加大软硬件设施投入以及加快产权制度改革等建议。
英文摘要：
This paper investigates the efficiency and affecting factors of rural cooperative financial institutions（RCFs） in Northern Shaanxi during the period 2008-2011. The results show that the sample overall efficiency has deteriorated;area efficiency has appeared gradient change ; stock sample inefficiency is mainly due to the presence of reforming costs ; the invalid PTE and rural market competition cause the incompatibility between economic development and RCFs; agricultural loans lnon-performing loan ratio, liquidity ratio and forms of property rights mean significantly to TE, PTE and SE ; Loan to deposit ratio can significantly influence SE;the first industry is greatly influenced by TE and PTE. Therefore, this paper proposes that RCC further innovate rural mortgage financing, increase the hardware facilities, support modem agriculture transformation, strengthen capital and accelerate the reform of property right system.
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