黑龙江省农民合作社信贷融资影响因素研究

发布时间：2018-08-18 16:25

【摘要】：加快转变农业发展方式,实现适度规模经营的形式多样化,从而在现代农业建设中起到引领作用是目前农业改革的重要方向。国家为推动农业改革的进程,推出了“农村集体产权制度改革顶层设计”、“农村承包地确权登记颁证”、“农业供给侧结构性改革”等一系列政策,农民合作社是新型农业经营主体重要类型,在农业改革中得到了迅猛发展,作为新型农业经营主体重要类型的农民合作社得以迅速发展,有效发挥了带动散户、对接企业、联结市场的功能,极大地推动了农业规模化、现代化和高效化发展,显著促进了农民收入的提升。黑龙江省作为我国的农业大省,在农民合作社的发展上表现出迅猛发展的态势,然而却存在严重的资金短缺问题,信贷融资无法弥补生产经营的资金缺口。因此,研究信贷融资及其影响因素对于黑龙江省农民合作社的发展具有重要意义。本研究主要研究黑龙江省农民合作社信贷融资的影响因素。首先,在借鉴国外学者在农民合作社信贷融资上的研究思路、理论框架及研究成果的基础上,对农民合作社及其信贷融资作概念界定,并阐述了合作社理论、西方现代企业融资理论、信贷融资担保理论以及关系型借贷理论,为整个研究奠定理论基础;其次,基于对黑龙江省三地区共12个县域农民合作社及其信贷融资的实地调研数据,分析了黑龙江省种植合作社、养殖合作社和农机合作社的现状,并从信贷融资需求和供给两个方面分析了黑龙江省农民合作社信贷融资的供求状况,对比信贷融资供求后发现黑龙江省农民合作社存在较为严重的信贷融资供求失衡,并且面临资金来源渠道狭窄、融资成本相对较高等问题。再次,基于黑龙江省农民合作社信贷融资现状分析,从合作社基本情况、合作社生产经营情况、合作社负责人特征和金融机构情况四个角度,运用二元Logistic模型分析黑龙江省农民合作社信贷融资的影响因素,结果表明注册资金、是否有可供抵押或质押资产、统一销售社员产品产值、负责人年龄、负责人受教育程度、银社关系对黑龙江农民合作社是否获得信贷融资均有显著的正向影响。最后,针对现状和影响因素的实证结果,立足农民合作社自身、金融机构、政府三个角度提出黑龙江农民合作社信贷融资的对策建议。
[Abstract]:It is an important direction of agricultural reform to accelerate the transformation of agricultural development mode and realize the diversification of moderate scale management, thus playing a leading role in the construction of modern agriculture. In order to promote the process of agricultural reform, the state has launched a series of policies, such as "the top-level design of the reform of the rural collective property right system", "the registration and certification of the right to confirm the right to contract land in rural areas", "structural reform of the supply side of agriculture", and so on. The farmer cooperative is an important type of new agricultural management subject, which has been developed rapidly in the course of agricultural reform. As an important type of new agricultural management subject, the farmer cooperative has been developed rapidly, and has effectively brought along the retail investors and connected the enterprises. The function of connecting the market has greatly promoted the development of scale, modernization and high efficiency of agriculture, and has greatly promoted the raising of farmers' income. Heilongjiang Province, as a big agricultural province in China, shows a rapid development trend in the development of farmers' cooperatives, but there is a serious shortage of funds, credit financing can not make up for the financing gap of production and operation. Therefore, the study of credit financing and its influencing factors is of great significance to the development of farmers' cooperatives in Heilongjiang Province. This research mainly studies the influencing factors of credit financing of farmers' cooperatives in Heilongjiang province. First of all, based on the research ideas, theoretical framework and research results of foreign scholars on credit financing of farmers' cooperatives, this paper defines the concept of farmers' cooperatives and their credit financing, and expounds the cooperative theory. The western modern enterprise financing theory, the credit financing guarantee theory and the relational loan theory lay the theoretical foundation for the whole research. Secondly, Based on the field investigation data of farmers' cooperatives and their credit financing in 12 counties in three regions of Heilongjiang Province, the present situation of planting cooperatives, farming cooperatives and agricultural machinery cooperatives in Heilongjiang Province is analyzed. From the two aspects of credit financing demand and supply, this paper analyzes the supply and demand of credit financing of farmers' cooperatives in Heilongjiang Province, and finds out that there is a serious imbalance of credit financing supply and demand in Heilongjiang farmer cooperatives after comparing the supply and demand of credit financing with the supply and demand of credit financing. And faced with narrow funding sources, relatively high financing costs and other issues. Thirdly, based on the analysis of the present situation of credit financing of farmers' cooperatives in Heilongjiang Province, from four angles: the basic situation of cooperatives, the production and management of cooperatives, the characteristics of the responsible persons of cooperatives and the situation of financial institutions, This paper analyzes the influencing factors of credit financing of farmers' cooperatives in Heilongjiang Province by using the dual Logistic model. The results show that there is a registered fund, whether there are mortgage or pledge assets, the output value of the sales members is unified, the age of the responsible person, the education level of the responsible person, and so on. The relationship between bank and society has a significant positive effect on whether the farmers' cooperatives in Heilongjiang have access to credit financing. Finally, based on the empirical results of the present situation and the influencing factors, the paper puts forward the countermeasures and suggestions of credit financing of the farmers' cooperatives in Heilongjiang province from the perspectives of farmers' cooperatives themselves, financial institutions and the government.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F321.42;F832.43;F302.6

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