中小企业信用担保运行效率评价.pdf

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第31卷第1期东北大学学报( 自然科学版) Vol 31 ,No. 1
2 0 1 0 年 1 月 Journal of Northeastern University (Natural Science) Jan. 2 0 1 0
中小企业信用担保运行效率评价
崔晓玲, 钟田丽, 秦捷
(东北大学工商管理学院, 辽宁沈阳 110004)
摘要: 综合考虑信用担保机构的盈利能力、风险承受能力和信用能力,采用 DEA 效率评价方法对东北
某省担保协会2的2信用担保综合运行效率(技术效率、规模效率) 以及投入冗余和产出不足情况进行了实证分析·
结果表明:大部分信用担保处于综合运行无效状态;信用担保的技术效率均高于综合运行效率但没有达到纯
技术效率;信用担保利用现有经营管理技术的能力较强,能在减少投入的同时提高产出水平;大部分信用担保
处在规模不经济状态,存在产出不足和投入冗余的情况·说明合理的后续投入和相匹配的产出,才能发挥信用
担保的效用·
关键词: 中小企业;信用担保;运行效率;DEA 模型;评价
中图分类号: F 830. 39 文献标志码: A 文章编号: 1005 3026 (2010) 01 0149 04
Operational Eff iciency Evaluation of Credit Guarantee for
SMEs
CU I Xiao ling , ZHON G Tian li , Q IN Jie
( School of Business Administration , Northeastern University , Shenyang 110004 , China. Correspondent : CU I
Xiao ling , E mail : xlingcui ***@126. com)
Abstract : Considering the profitability , risk sustainability and creditability of credit guarantee
institution , a DEA based efficiency evaluation was made to posite operational efficiency
including technical efficiency and scale efficiency of credit guarantee in a province of Northeast
China with an empirical analysis made to the input redundancy and output deficiency. The results
showed that most of the credit guarantees are in an inefficient state where although the technical
efficiency is higher than posite efficiency , it is purely not te