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A DEA-model evaluation of the efficiency of peasant household credit investigation system in rural credit cooperatives A positive research in Hubei Province, China

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Purpose – As a major agricultural province in central China, Hubei Province mainly carries out the
peasant household credit investigation system through rural credit cooperatives (RCCs). The purpose
of this paper is to evaluate the efficiency of the peasant household credit investigation system in Hubei
RCCs and provide some evidence and ideas to the formulation of relevant policies.
Design/methodology/approach – First, this paper briefly reviews the related literature of the
efficiency in credit investigation system; second, the paper gives a brief description of the data
envelopment analysis (DEA) model and designs the indicators for efficiency evaluation; third, the paper
accounts data sources and processing methods; and finally, the paper performs the empirical analysis
and draws a conclusion.
Findings – The paper finds that the efficiency of the resource allocation in both regions is unoptimistic,
the general efficiency is somewhat low, and it shows the trend of declination. The efficiency of pure
technology in two regions represents the adverse trend. Every year’s average scale efficiency in both
regions is higher than the pure technology efficiency.
Originality/value – The main contributions of this paper include the first use of DEA model
to practically evaluate the efficiency of credit investigation system based on 54 samples of RCCs in
Hubei Province and the horizontal and vertical comparisons of the results. The conclusions of this paper
not only make the efficiency of credit investigation system in the province’s 54 credit
cooperatives comparable but also has a great application value to the actual decision-making
departments in formulating credit policies, and each credit cooperative in further building the credit
investigation system according to its own conditions. Moreover, it has certain reference value to other
similar studies.

Keywords China, Credit, Loans, Rural economics, Co-operative organizations

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Informasi Detail

Judul Seri

China Agricultural Economic Review

No. Panggil

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Penerbit

: Emerald Group., 2011

Deskripsi Fisik

China Agricultural Economic Review Vol. 3 No. 1, 2011 pp. 54-66

Bahasa

English

ISBN/ISSN

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Klasifikasi

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Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

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Subjek

EKONOMI

Info Detail Spesifik

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Pernyataan Tanggungjawab

Asmawati/Syahrial

Versi lain/terkait

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