农民专业合作社融资服务供给及其影响因素

发布时间：2017-12-27 13:35

本文关键词：农民专业合作社融资服务供给及其影响因素　出处：《中国软科学》2014年07期 　论文类型：期刊论文

【摘要】：本文运用9省25县115家农民专业合作社的数据,分析了农民专业合作社融资服务供给状况,并对其影响因素进行了理论探讨和实证检验。结果表明:合作社服务功能的增强,内部一体化程度的提高,资产实力的增长,金融机构对组织信贷扶持力度的增加,社员组织事务参与度的提升对其融资服务供给具有正向促进作用;而随着合作社成员规模的不断扩大,成员覆盖范围扩展对其融资服务供给的负向影响愈加明显;并且,组织决策民主化程度过高也不利于合作社融资服务供给;此外,合作社是否以外部力量为主发起成立和经营的主要产品类型对其融资服务供给并无显著影响。
[Abstract]:Based on the data of 115 farmers' professional cooperatives in 25 provinces and 9 provinces, this paper analyzes the supply situation of financing services for farmers' professional cooperatives, and makes a theoretical discussion and empirical test on the influencing factors. The results show that the enhanced cooperative service function, improve the level of internal integration, asset growth, financial institutions to increase credit support to the organization, organizational affairs participation has a positive effect on the financial services supply; and with the cooperation of the members of the continuous expansion of the scale, expand the coverage of its members the financing service supply negative effect is more obvious; and the organization, the democratization of decision-making is not conducive to the high degree of cooperative financing services supply; in addition, the main product types of cooperatives whether to external forces mainly by the establishment and operation of the significant influence on the financing service supply is.
【作者单位】：中国人民大学农业与农村发展学院;
【基金】：国家社科基金青年项目“农民专业合作社融资创新理论与实践研究”(10CJY043) 国家自然科学基金面上项目“成员异质性、合作社理论创新与农民专业合作社发展政策体系构建”(71273267) 北京市哲学社会科学规划项目“北京创新农业经营体制机制研究”(13JGC061) 中国博士后科学基金特别资助项目(201104185)
【分类号】：F321.42;F832.43
【正文快照】： 一、研究背景农户作为农村金融需求者通常具有居住分散、收人低且单笔存贷款规模小、有明显季节性、生产项目的自然风险和市场风险较大、缺乏必要抵押品等特点(Hoff and Stiglitz,1990)[n,正规金融机构向农户提供信贷要承担较高交易成本和面临较大风险,往往采取谨慎性风险

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