基于担保授信的农户供应链融资信用水平研究

发布时间：2018-01-15 23:13

本文关键词：基于担保授信的农户供应链融资信用水平研究　出处：《中国海洋大学》2014年硕士论文　论文类型：学位论文

【摘要】：农村金融供需不平衡，农户要解决自身资金短缺的问题，依托产业链进行贷款担保是目前最有效的措施。本研究的目的在对政策性担保授信下的农户供应链融资、互助性担保授信下的农户供应链融资以及商业性担保授信下的农户供应链融资三种方式比较研究的基础上，将三种担保方式对农户信用水平的影响进行比较研究，得出其中对于农户信用水平影响显著性最大的担保方式，据此解决农户贷款担保难问题。本文通过对现有相关文献进行梳理，提出农户贷款担保的理论分析框架，对农户供应链担保融资的信用水平控制机制及效果进行理论分析。控制机制从信用能力和信贷风险两个角度设立了授信准入、结构授信、担保替代、贷前甄别、现金流控制、贷款风险补偿、担保机构的分散风险机制、贷款合约等测量指标，，其中担保机构的分散风险机制包括资本金来源、资本金补充、担保机构独立性、担保机构风险管理以及担保机构效率，贷款合约包括授信额度、贷款利率以及贷款期限。本研究通过问卷调查，对农户供应链融资信用水平的控制机制及政策性担保融资、互助性担保融资、商业性担保融资对于农户提高信用水平的作用效果差异进行实证研究。另外运用案例研究的方法，依据不同的担保方式，找到具有代表性的案例，对案例的背景、操作流程以及控制机制进行分析。据此，研究认为对信用水平的控制机制中，龙头企业结合供应链成立的专业农牧担保公司这种商业担保融资模式对于提高农户供应链融资信用水平所采取的的各项措施更为合理。效果上，在提高农户信用能力，研究发现商业性担保融资更为有效；但是对于降低信贷风险，研究结果显示政策性担保融资模式效果更为显著，主要原因可能是依赖于政府信用的强大作用。政府应采取积极措施发展适合于农村金融的商业性担保融资，将政府信用更多的融入商业担保模式中，以提高农户信用水平。本文的创新点主要在于：通过将农户供应链的政策性担保融资、互助性担保融资以及商业性担保融资进行比较研究，比较侧重于不同担保方式的控制机制以及对于农户信用水平的作用差异，得出适合于提高农户信用水平的担保融资模式，即通过农业龙头企业成立的专业农牧担保公司来为农户进行供应链融资担保的商业担保融资模式，而且对其融入更多的政府信用，效果更好。
[Abstract]:Rural financial supply and demand imbalance, farmers to solve their own shortage of funds. Relying on the industry chain to guarantee loans is the most effective measure at present. The purpose of this study is to finance the supply chain of farmers under the policy guarantee. On the basis of comparative study of three modes of supply chain financing under mutual guarantee credit and commercial guarantee credit. This paper makes a comparative study on the influence of three kinds of guarantee methods on the credit level of peasant households, and finds out the most significant way to guarantee the credit level of farmers, and then solves the problem of the guarantee of farmers' loans. This paper puts forward the theoretical analysis framework of peasant household loan guarantee by combing the existing relevant literature. This paper theoretically analyzes the credit level control mechanism and its effect of guaranteed financing in the supply chain of farmers. The control mechanism sets up credit access, structural credit granting, guarantee substitution and pre-credit screening from the two angles of credit ability and credit risk. Cash flow control, loan risk compensation, risk diversification mechanism of guarantee institutions, loan contracts, and other measurement indicators, which guarantee institutions including the source of capital, capital replenishment, guarantee agency independence. Guarantee agency risk management and guarantee agency efficiency, loan contracts including credit lines, loan interest rates and loan duration. Through the questionnaire survey, this study aims to control the credit level of supply chain financing of farmers, policy guarantee financing, mutual guarantee financing. Commercial secured financing for farmers to improve the impact of credit level of empirical research. In addition, the use of case study method, according to different guarantee methods, find representative cases. The background, operation process and control mechanism of the case are analyzed. Leading enterprises in combination with the establishment of the supply chain of professional agricultural and pastoral guarantee companies this mode of commercial guarantee financing for farmers to improve the credit level of supply chain financing measures are more reasonable and effective. In order to improve the credit ability of farmers, it is found that commercial secured financing is more effective. However, to reduce the credit risk, the research results show that the policy secured financing model is more effective. The main reason may be relying on the powerful role of government credit. The government should take active measures to develop commercial guarantee financing suitable for rural finance and integrate more government credit into commercial guarantee mode. In order to improve the credit level of farmers. The innovation of this paper mainly lies in: the comparative study of the policy guarantee financing, mutual guarantee financing and commercial guarantee financing of farmers' supply chain. Compared with the control mechanism of different guarantee ways and the difference of the function to the farmer's credit level, we get the guarantee financing mode suitable for improving the farmer's credit level. That is, the commercial guarantee financing mode of supply chain financing guarantee for farmers is established by the specialized agricultural and pastoral guarantee company set up by leading agricultural enterprises, and the effect is better if it is integrated into more government credit.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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