中国农民专业合作社的金融支持研究

发布时间：2018-04-13 12:25

本文选题：农民专业合作社 + 农村金融　；参考：《重庆工商大学》2012年硕士论文

【摘要】：发展农民专业合作社是当前我国农村经济体制改革的重要内容，也是解决我国农户小生产与大市场之间矛盾、提高农户参与市场竞争的能力、增加农户收入的根本举措。2007年《中华人民共和国农民专业合作社法》正式实施以来，我国的农民专业合作社发展迅速，到目前为止已经形成一定规模。然而，从整体上来看，我国的农民专业合作社整体发展水平不高，还存在诸多问题。其中，资金短缺问题尤为突出，成为制约农民专业合作社进一步发展的重要原因。农民专业合作社的数量众多、资金缺口较大，仅仅依靠政府财政补助远远不能满足其发展需求，探索一条通过农村金融支持农民专业合作社发展的道路成为必要选择。尽管多年来农村金融对农村经济的发展起到了重要的作用，但是当前农村金融机构对农民专业合作社的资金供给仍然严重不足，主要表现为农村信贷资金供给数量不足、信贷资金的供给结构错位、信贷服务效率底下等方面。本文运用机制设计理论作为分析工具，通过机制设计理论设计出一个激励约束机制，达到激励供给主体的目的，从微观的角度分析了农村金融市场上农村信用社的信贷供给行为，从而得出农民专业合作社金融支持不足的理论原因在于：金融供给方的机会成本以及监督成本高、抵押担保不足等方面。针对上述提出的问题，，论文从转变政府职能、完善相关法律、建立农业保险和担保制度、以及创新管理体制以及规范民间金融等方面提出政策建议。全文共由七章组成：第一章阐述了国内外农民专业合作社金融支持的理论研究。第二章简要介绍了我国农民专业合作社发展的现状以及存在的主要问题。当前我国农民专业合作社主要呈现出总体发展水平不高、地域差距大等特点。其中农民专业合作社资金短缺问题成为当前制约其进一步发展的重要原因。第三章分析了我国农民专业合作社金融支持现状。首先分析了农民专业合作社金融支持的必要性，接着分别从金融供给和需求两方面描述了我国农民专业合作社金融支持的现状。最后分析了我国农民专业合作社金融支持不足的原因。第四章是分析金融支持不足的原因。首先对其原因作了一般分析，然后基于机制设计理论构建数理模型进行分析。第五章提出了适合我国农民专业合作社几种的融资模式，并对其进行了比较分析。第六章是农业金融支持的国际及台湾经验。最后一章从转变政府的职能、确立法律保障系统、加强和完善农业保险体系和担保制度、创新金融管理体制、构建真正的农业合作金融等方面为我国农民专业合作社融资难题提供政策建议。
[Abstract]:The development of farmers' specialized cooperatives is an important part of the reform of the rural economic system in our country at present. It is also a solution to the contradiction between the small-scale production and the large market of farmers in our country, and to improve the ability of farmers to participate in the market competition.Since the implementation of the "Law of the people's Republic of China on Farmers' Professional Cooperatives" in 2007, the farmers' professional cooperatives in China have developed rapidly and have formed a certain scale so far.However, from the overall point of view, the overall level of development of farmers' professional cooperatives is not high, there are still many problems.Among them, the shortage of funds is particularly prominent, which is an important reason for restricting the further development of farmers' professional cooperatives.The number of farmers' specialized cooperatives is numerous and the fund gap is large. Only relying on government financial subsidies can not meet their development needs. It is necessary to explore a way to support the development of farmers' professional cooperatives through rural finance.Although rural finance has played an important role in the development of rural economy for many years, at present, the supply of funds to farmers' specialized cooperatives by rural financial institutions is still seriously inadequate, mainly because the supply of rural credit funds is insufficient.Credit funds supply structure mismatch, credit service efficiency under the following aspects.This paper uses the theory of mechanism design as an analysis tool and designs an incentive and constraint mechanism through the theory of mechanism design to achieve the purpose of encouraging the main body of supply.This paper analyzes the credit supply behavior of rural credit cooperatives in the rural financial market from a micro perspective, and concludes that the theoretical reasons for the insufficient financial support of the farmers' specialized cooperatives lie in the high opportunity cost and the high supervision cost of the financial suppliers.Insufficient mortgage guarantee and so on.In view of the above questions, the paper puts forward some policy suggestions from the aspects of transforming government functions, perfecting relevant laws, establishing agricultural insurance and guarantee system, innovating management system and standardizing private finance.The full text consists of seven chapters:The first chapter elaborates the domestic and foreign farmer specialized cooperative finance support theory research.The second chapter briefly introduces the current situation and main problems of the development of farmers' professional cooperatives in China.At present our country farmer specialized cooperative mainly presents the overall development level is not high, the geographical disparity and so on big characteristic.Among them, the shortage of funds in farmers' specialized cooperatives has become an important reason for its further development.The third chapter analyzes the current situation of financial support of farmers' professional cooperatives in China.This paper first analyzes the necessity of financial support for farmers' specialized cooperatives, and then describes the present situation of financial support of farmers' specialized cooperatives in China from the two aspects of financial supply and demand.Finally, the paper analyzes the reasons for the insufficient financial support of farmers' professional cooperatives in China.The fourth chapter is the analysis of the reasons for the lack of financial support.Firstly, the reasons are analyzed, and then the mathematical model is built based on the mechanism design theory.The fifth chapter puts forward several financing modes suitable for farmers' professional cooperatives in our country, and makes a comparative analysis on them.The sixth chapter is the international and Taiwan experience of agricultural finance support.The last chapter changes the function of the government, establishes the legal safeguard system, strengthens and consummates the agricultural insurance system and the guarantee system, and innovates the financial management system.The construction of real agricultural cooperative finance and other aspects provide policy advice for the financing problems of farmers' specialized cooperatives in China.
【学位授予单位】：重庆工商大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F321.42;F832.2

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