亚洲小额信贷机构经营效率实证研究——基于DEA模型

摘要

小额信贷机构效率问题正日益成为学术研究的重点。本文利用DEA模型对孟加拉、斯里兰卡、印度、印度尼西亚、巴基斯坦、菲律宾、越南、柬埔寨8个亚洲国家109家小额信贷机构的经营效率进行研究和分析。实证研究结果表明：亚洲小额信贷机构整体效率不高,纯效率较低是主要原因。可以通过改进信贷技术、完善内部资源配置、提升信息化管理水平等措施进一步提升运营效率。%MFI efficiency has increasingly become the focus of academic research. Using DEA model, the paper analyzes 109 mi- crofinance institutions' operating efficiency in 8 Asian countries, which are Bangladesh, Sri Lanka, India, Indonesia, Pakistan, Philip- pines, Vietnam and Cambodia. Empirical results show that the overall efficiency of Asian microfinance institutions is not high, and the main reason is lower pure efficiency. Asian MFIs can improve credit technology, strengthen the internal resources allocation and en- hance the information management level to further promote operating efficiency.