CAJ | 학술논문

本文采用数据包络分析（DEA）方法分析2010年中国42家小额贷款公司的生产效率。研究发现，中国小额贷款公司的整体效率水平较高，且效率水平的地区差异不明显。对于低效率的小额贷款公司，纯技术效率较低是引起其低效率的主要原因，说明小额贷款公司还需要不断改善经营管理水平；小额贷款公司多处于规模报酬递增阶段，扩大规模有利于提高小额贷款公司的效率；小额贷款公司的生产效率随成立时间的增长呈U型变化。
본문채용수거포락분석（DEA）방법분석2010년중국42가소액대관공사적생산효솔。연구발현，중국소액대관공사적정체효솔수평교고，차효솔수평적지구차이불명현。대우저효솔적소액대관공사，순기술효솔교저시인기기저효솔적주요원인，설명소액대관공사환수요불단개선경영관리수평；소액대관공사다처우규모보수체증계단，확대규모유리우제고소액대관공사적효솔；소액대관공사적생산효솔수성립시간적증장정U형변화。
This paper analysis the operation efficiency of 42 micro credit company by data envelopment analysis （DEA） method. Studies show that micro credit companies have high efficiency value, and the difference of efficiency between regions is not clear. Low efficiency of micro credit companies was caused by low pure technical efficiency, which means that micro credit companies need to improve their management continually. Most micro credit companies were in increasing returns to scale stage and enlarging the scale can improve the efficiency of micro credit company. The change of micro credit company＇ s operation efficiency looks like U shape with the growth of the time of founding.