Research On The Efficiency Measurement Of Agriculture-Related Loans And Its Influencing Factors In Anhui Province

Agriculture,rural areas,and peasant issues are major issues related to the great rejuvenation of the Chinese nation.The report of the 20 th National Congress of the Communist Party of China stated that it is necessary to comprehensively promote rural revitalization,adhere to the priority development of agriculture and rural areas,and firmly promote the revitalization of rural industries.Rural economic development is inseparable from the support of rural financial resources,and agricultural credit,as an important rural financial resource,plays a pivotal role in rural revitalization.The No.1 Central Document in 2023 also proposed to strengthen financial services for rural revitalization,promote financial institutions to increase loans in areas related to rural revitalization,and highlight the importance of agricultural credit work.However,while enjoying a large amount of benefits brought by the development of agricultural credit scale,the utilization efficiency of agricultural credit in various places is low,so it is very necessary to study the efficiency of agricultural loans.This paper selects the data of 16 prefecture-level cities in Anhui Province from 2011 to2020,and uses the three-stage DEA model and the Malmquist index model to measure the static efficiency and dynamic total factor productivity of agriculture-related loans;Carry out an empirical study on the influencing factors of loan efficiency,and draw the following conclusions.(1)From a static point of view,the traditional DEA model underestimates the efficiency of agriculture-related loans in Anhui Province.On the whole,the scale efficiency of agriculture-related loans in most cities is inefficient and in the stage of increasing scale.Therefore,the investment scale of agriculture-related loans should be adjusted appropriately according to the characteristics of each city.(2)From a dynamic point of view,the adjusted total factor productivity has improved somewhat,and the change trend is more stable.In terms of time periods,the adjusted trend of total factor productivity is more in line with the trend of technological progress,indicating that technological progress has a greater impact on total factor productivity.In terms of cities,the decline of total factor productivity in most cities is caused by the decline of technical efficiency and technological decline.Therefore,the improvement of total factor productivity must take into account both the improvement of technical efficiency and the promotion of technological progress.(3)From the perspective of influencing factors,it is possible to adjust and optimize the structure of the primary industry by speeding up the urbanization rate and the pace of agricultural modernization,encourage financial institutions to improve their internal management efficiency,and at the same time carry out innovations in agricultural-related financial products to improve unreasonable Improve the efficiency of agriculture-related loans in terms of the investment scale of agriculture-related loans.