农业保险对福建省农业企业信贷配给的影响研究

发布时间：2018-03-17 02:13

本文选题：农业保险　切入点：信贷配给　出处：《福建农林大学》2013年博士论文　论文类型：学位论文

【摘要】：农业企业是农业产业化发展的中坚力量和决定因子。在提升农户产业化程度与增加农户收入方面具有很强的带动作用。农业企业发展需要金融支持,但受到正规金融机构信贷配给的概率大,而农业产业弱质性引发的信贷风险可能是农业企业遭受信贷配给的根本原因。农业保险可作为克服农业弱质性的有效制度安排,作为涉农信贷的有效风险分担和补偿机制,作为分散银行业涉农信贷风险的重要途径,从而改善农业企业“信贷配给”问题。本文首先通过收集相关统计年鉴数据,定量化测度福建省农业企业是否遭受信贷配给及其配给程度；接着构建农业保险影响农业企业信贷配给研究的理论框架,并在此基础上设计本研究所需的相关变量；然后进行福建省农业企业的问卷调查收集数据,利用结构方程模型和单因素方差分析法,实证检验农业保险对农业企业信贷配给的影响机理,同时识别农业企业购买农业保险行为的关键影响因素；最终提出基于化解农业企业信贷配给的农业保险发展政策建议。文章通过理论分析和实证研究,得到的主要结论：(1)福建省市级以上农业龙头企业遭受的信贷配给程度很高且逐渐恶化,但银行机构对市级以上农业龙头企业的新增信贷资金很好地流向产出效率较高的龙头企业,信贷配给效率整体较高。(2)实证验证农业保险可以作为缓解农业企业信贷配给的政策工具。农业企业购买农业保险可直接缓解农业企业所遭受的信贷配给,还通过降低其信贷风险,进而缓解农业企业农业企业所遭受的信贷配给。(3)识别了农业企业信贷配给的关键影响因素。政府政策因素、农业企业行为因素和购保行为测量变量对农业企业信贷配给有显著的缓解作用；信贷风险测量变量对农业企业信贷配给有显著的推波助澜作用。(4)识别了农业企业购买农业保险行为的关键影响因素。政府政策因素、农业企业行为因素和信贷配给对农业企业购买农业保险行为有显著的促进作用影响,农业企业信贷风险通过信贷配给对购买农业保险行为产生显著的间接促进作用。(5)农业企业异质性对购买农业保险行为具有显著影响。企业规模、企业注册资本、销售收入、所处产业链环节、企业与政府关系、是否曾获得过保险公司赔付、地理位置的不同在一定程度上会对企业在农业保险购买行为方面产生影响。本研究在信贷配给理论、农业保险理论和利益相关者理论的指导下,尝试构建农业保险影响农业企业信贷配给研究的理论分析框架；验证农业保险购买行为对农业企业信贷配给的影响程度,验证农业保险能否作为缓解农业企业信贷配给的制度工具；较为系统地考察农业企业购买农业保险行为的关键影响因素。以上3方面研究,丰富和发展农业保险对农业信贷支持效应的实证研究成果,丰富和发展农业企业购买农业保险行为影响因素的理论研究成果。
[Abstract]:The agricultural enterprise is the backbone of the development of agricultural industrialization and the decision factor. Have a strong leading role in promoting rural industrialization level and increase farmers' income. Agricultural enterprise development needs financial support, but the probability of credit rationing by formal financial institutions, and the agricultural industry weak credit risk caused by agricultural enterprises may be suffering the fundamental reason of credit rationing. Agricultural insurance can be used as an effective system to overcome the weakness of agriculture arrangement, as an effective risk sharing and compensation mechanism of agricultural credit, as an important way to spread the Bank of agriculture related credit risk, so as to improve the agricultural enterprises "credit rationing" problem.
Firstly, through the collection of relevant statistical data, whether quantitative measurement for agricultural enterprises in Fujian province suffered credit rationing and rationing; then construct the theoretical framework of credit rationing of agricultural insurance effect of agricultural enterprises, and based on the related design variables needed in this research; then carries on the questionnaire survey of agricultural enterprises in Fujian Province to collect data. Using the method of structural equation model and single factor variance, an empirical test of the agricultural insurance mechanism of credit rationing of agricultural enterprises, key factors and the recognition of agricultural enterprises to buy agricultural insurance behavior; finally put forward the suggestions of reducing agricultural enterprise credit rationing policy based on the development of agricultural insurance.
This paper through theoretical analysis and empirical research, the main conclusions are: (1) a high degree of credit rationing above the level of agricultural leading enterprises in Fujian province suffered and gradually deteriorated, but the banks leading enterprises above the level of agricultural leading enterprises of the new credit funds well to higher efficiency, higher overall efficiency of credit rationing. (2) the empirical validation of agricultural insurance can be used to relieve agricultural enterprises credit rationing policy tools. Agricultural enterprises buy agricultural insurance can directly alleviate agricultural enterprises suffered credit rationing, also by reducing the credit risk, and alleviate agricultural enterprises agricultural enterprises suffered credit rationing. (3) to identify the key factors of rationing agricultural enterprises. The government credit policy, credit behavior factors and agricultural enterprises purchase insurance behavior measurement variables on agricultural enterprises have significant relief for rationing the letter; Credit loan risk measurement variables of agricultural enterprises have a significant role in fueling the rationing. (4) identify the key factors of agricultural enterprises to buy agricultural insurance behavior. Government policy factors, business factors and behavior of agricultural credit rationing on agricultural enterprises to buy agricultural insurance behavior have a significant role in promoting the effect of credit risk through credit rationing from agricultural enterprises indirect promotion effect on the purchase of agricultural insurance. (5) heterogeneity of agricultural enterprises has a significant impact on the purchase behavior of agricultural insurance. The scale of enterprises, enterprises registered capital, sales revenue, the industry chain, the relationship between enterprises and government, whether received the insurance company paid, the different geographical location to a certain extent will have an impact on the purchase behavior of enterprises in agricultural insurance.
The study on credit rationing theory, agricultural insurance theory and stakeholder theory, try to build on credit rationing of agricultural insurance effect of agricultural enterprises theoretical framework; verification of agricultural insurance purchase behavior of agricultural enterprise credit rationing influences the degree of agricultural insurance can ease as verification of agricultural enterprises credit rationing system systematic tools; to investigate the key influence factors of agricultural enterprises to buy agricultural insurance behavior. The above 3 studies, empirical studies support the enrichment and development of the agricultural insurance effect on agricultural credit achievements, enrich and develop the theoretical research achievements of agricultural enterprises to buy agricultural insurance behavior.

【学位授予单位】：福建农林大学
【学位级别】：博士
【学位授予年份】：2013
【分类号】：F832.4;F842.66

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