甘肃省农民合作社融资诉求问题研究

发布时间：2018-04-18 21:34

本文选题：农民合作社 + 融资诉求　；参考：《甘肃农业大学》2017年硕士论文

【摘要】：农民合作社作为新型农业经营主体,已成为市场经济体制下一种重要的农业生产经营形式。农民合作社在降低农民市场参与风险、提高农民市场竞争地位等方面产生了积极深远的影响。近年来,甘肃省农民合作社在数量上增长态势明显。但随着合作社数量的增加,其发展过程中潜在的问题也逐渐凸显。甘肃省农民合作社规模以中小型为主,内部运行资金和外部拓展资金匮乏使合作社陷入融资困境,严重制约了合作社可持续发展,减缓了农民增收致富的能力,影响了农业发展水平整体提高。当融资渠道在农民合作社与农业金融市场之间无法畅通时,发展农民合作社将缺少内在推动力,无法与外部发展形成联合效应,难以维持农民合作社良性发展的态势。本文通过调查甘肃省14个市州的265家农民合作社,从分布地域范围、涉及行业、组建方式、服务内容、带动农户数、标准化建设和品牌培育等方面分析了合作社发展现状。调查发现,甘肃省农民合作社对长期投资资金、日常性经营资金以及季节性周转资金有强烈诉求,而股金投入有限、自我积累功能弱小、合作社信用缺失、金融机构贷款要求较高、民间借贷风险较大、政府扶持力度欠缺等一系列内源融资和外源融资问题使合作社获得资金有限,导致合作社存在较大的资金缺口。通过实地调查访问并结合调查问卷,文章实证部分首先从理论上分析了甘肃省农民合作社资金缺口影响因素,然后采用因子分析法从众多影响因素中找出主要的影响因子,利用OLS模型、Logit模型、Probit模型测算这些因子对农民专业合作社的固定资金缺口和日常资金缺口影响程度。结果表明:基础条件、成长潜力、信贷环境、其他融资中均有不同因素影响农民专业合作社固定资金缺口和日常资金缺口。其中,影响固定资金缺口和日常资金缺口的共同因素有:现有资产、土地流转、初始社员、品牌、外联机制、增加股金、贷款名义、民间借贷金额、是否金融贷款、是否及时还贷、贷款期限、贷款金额、是否有盈余公积、向其他经济组织融资。从显著性来看,这些因素对合作社日常资金缺口影响更为显著。影响农民合作社日常资金缺口的因素除上述因素外,还有依托实体、货币出资比例。根据研究结论,本文提出如下政策建议:第一,规范合作社发展,提高自身积累能力;第二,创新金融服务方式,激发金融主体活力;第三,推广资金互助社,缓解融资压力。
[Abstract]:As the main body of new agricultural management, peasant cooperatives have become an important form of agricultural production and management under the market economy system.Farmers' cooperatives have a positive and far-reaching impact on reducing the risks of farmers' market participation and improving their competitive position in the market.In recent years, Gansu Province farmers cooperatives in the number of growth trend is obvious.But with the increase in the number of cooperatives, the potential problems in the process of its development are gradually highlighted.The scale of farmers' cooperatives in Gansu Province is mainly small and medium-sized, and the lack of internal operating funds and external development funds makes cooperatives fall into financing difficulties, which seriously restricts the sustainable development of cooperatives and slows down the ability of farmers to increase income and become rich.Affected the level of agricultural development as a whole.When the financing channels between farmers' cooperatives and agricultural financial markets can not be unblocked, the development of farmers' cooperatives will lack the internal impetus and form a joint effect with the external development, and it will be difficult to maintain the positive development situation of farmers' cooperatives.By investigating 265 farmers' cooperatives in 14 cities and counties of Gansu Province, this paper analyzes the present situation of cooperative development from the aspects of distribution, trade, establishment, service content, number of farmers, standardization construction and brand cultivation.The investigation found that farmers' cooperatives in Gansu province have strong demands for long-term investment funds, daily operating funds and seasonal working capital, while the investment in shares is limited, the self-accumulation function is weak, and the credit of cooperatives is missing.A series of internal and external financing problems, such as higher loan requirements of financial institutions, greater risk of private lending, and lack of government support, make cooperatives obtain limited funds, resulting in a large funding gap for cooperatives.Through the field investigation and questionnaire, the empirical part of the article first theoretically analyzes the influencing factors of the fund gap of farmers' cooperatives in Gansu Province, and then finds out the main influencing factors from many factors by factor analysis.The OLS model logit model and probit model are used to estimate the influence of these factors on the fixed and daily fund gap of farmers' specialized cooperatives.The results show that there are different factors in the basic conditions, growth potential, credit environment and other financing factors that affect the fixed and daily fund gap of farmers' specialized cooperatives.Among them, the common factors that affect the gap between fixed and daily funds are: existing assets, land circulation, initial membership, brand, outreach mechanism, increase in share capital, loan name, amount of private loans, whether financial loans,Whether to repay the loan in time, the loan term, the loan amount, whether has the surplus reserve, finances to other economic organization.From a significant point of view, these factors have a more significant impact on the cooperative daily funding gap.In addition to the above factors, the factors affecting the daily fund gap of farmers' cooperatives are the proportion of relying entities and monetary contributions.According to the conclusions of the study, this paper puts forward the following policy recommendations: first, standardize the development of cooperatives, improve their own accumulation capacity; second, innovate the financial service mode, stimulate the vitality of financial subjects; third, promote mutual aid societies to ease the financing pressure.
【学位授予单位】：甘肃农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F321.42;F832.43

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