寿光市农民专业合作社融资问题研究

发布时间：2018-05-29 02:27

本文选题：寿光市 + 农民专业合作社　；参考：《西北农林科技大学》2014年硕士论文

【摘要】：农民专业合作社作为一种新兴的农村合作经济组织，在我国农业经济发展中扮演着重要角色，农民专业合作社可以把分散的农户组织起来，采用民主管理的方式，以增加成员的收入为主要目的，为其成员提供生产资料的采购、农产品运输、加工、销售及贮藏等服务。农民专业合作社充足的资金对保障农民专业合作社的健康、快速发展有着重要的促进作用，但是目前农民专业合作社发展面临着严重的资金短缺、融资难问题成为制约农民专业合作社发展的瓶颈。虽然国家已经出台相关政策、法律进行扶持，但是农民专业合作社融资难长久制约着农民专业合作社做大做强，严重影响了农民专业合作社经营规模的扩大。因此分析研究农民专业合作社的融资现状及问题，找出融资难的原因，探求解决农民专业合作社融资难有效方法，有利于促进农民专业合作社的健康发展，进而有利于加快农业现代化的进程。寿光市农民专业合作社创建于上世纪九十年代，随着寿光农业经济的飞速增长，寿光农民专业合作社也得到迅猛发展，到2013年底有农民专业合作社1215家，涉及水果、蔬菜的种植、加工、销售和畜牧业养殖等。本文以寿光农民专业合作社融资问题为研究对象，在总结梳理国内外已有研究成果的基础上，规划了研究目的和研究意义、设计了研究思路、选择了研究方法，以合作社以及融资理论为指导，通过对寿光市农民专业社融资的现状进行研究，发现了寿光市农民合作社融资过程由于合作社的规模较小因此获取的融资较少；或是由于对农民合作社了解不足，使得企业很难与合作社进行足够的资金交流；同时政府对农民合作社需要的融资提供也不足；最后是农民的金融机构建设和服务不完善，不能提供合作社需要的融资支持等问题。然后根据对寿光市农民专业合作社的调研，运用eviews计量模型对影响合作社融资难的问题进行分析，主要从合作社成立年数、合作社信用等级、第三方担保、资产抵押、是否有熟人、合作社社长年龄、合作社社长任职年数、合作社工作人员数量、资产利润率等方面进行研究，发现：合作社成立年数、合作社信用等级、第三方担保、资产抵押、与银行关系，是否有熟人介绍这6个指标显著性较好，合作社社长年龄和合作社社长任职年数2个指标在10%的显著水平上显著，显著性一般，合作社工作人员数量、资产利润率这2个指标在20%的显著水平上显著性，显著性差，剩余的指标均不显著。可以看出，金融机构在对合作社发放贷款时，更多考虑与银行关系良好，拥有第三方担保、资产抵押的合作社，，同时，合作社成立时间较长的，信用记录优良的合作社在获取金融机构贷款方面也具有相当的优势，这些合作社更容易获得金融机构的贷款。最后，针对实证结果及合作社融资本身存在的问题从政府、合作社自身建设及外部建设方面提出改善合作社融资难的对策建议。
[Abstract]:As a new rural cooperative economic organization, farmers' professional cooperatives play an important role in the development of agricultural economy in our country. The farmers' professional cooperatives can organize the scattered farmers and adopt democratic management to increase the income of the members as the main purpose, and provide their members with the purchase of production data and the transportation of agricultural products. The sufficient funds of the farmers' professional cooperatives have an important role in promoting the health and rapid development of farmers' professional cooperatives. However, the development of farmers' professional cooperatives is facing a serious shortage of funds, and the difficulty of financing has become the bottleneck of restricting the development of farmers' professional cooperatives. Relevant policies and legal support have been issued, but the financing of farmers' professional cooperatives is difficult to restrict long and strong farmers' professional cooperatives, which seriously affects the expansion of the scale of farmers' professional cooperatives. It is difficult to effectively raise funds for cooperatives, which is conducive to promoting the healthy development of farmers' professional cooperatives and speeding up the process of agricultural modernization.
Shouguang farmers' professional cooperatives were founded in the 90s of last century. With the rapid growth of Shouguang agricultural economy, Shouguang farmers' professional cooperatives also developed rapidly. By the end of 2013, there were 1215 farmers' professional cooperatives, involving fruit, vegetable planting, processing, selling and livestock farming. This article was integrated with Shouguang farmers' professional cooperatives. On the basis of summarizing and sorting out the existing research results at home and abroad, the paper plans the purpose and significance of the research, designs the research ideas, chooses the research method, and chooses the cooperative and financing theory as the guidance, and through the research on the current situation of the farmer's professional society in Shouguang City, finds out the peasant cooperatives in Shouguang City. As a result of the small scale of the cooperative, the process of financing is less, or the lack of understanding of the farmers' cooperatives makes it difficult for the enterprises to carry out sufficient exchange of funds with the cooperatives; at the same time, the government has insufficient financing for the farmers' cooperative needs; finally, the construction and service of the farmers' financial institutions are not perfect and can not be mentioned. According to the investigation of the farmers' professional cooperatives in Shouguang City, the Eviews measurement model is used to analyze the problems that affect the financing difficulties of the cooperatives, mainly from the number of years, the credit rating of the cooperatives, the third party guarantee, the asset mortgage, the age of the co OP, the age of the co-operative president, and the cooperation. The number of members of the society, the number of co-operatives and the rate of asset profit have been studied. It is found that the number of cooperatives, the credit rating of the cooperatives, the third party guarantee, the asset mortgage, the relationship with the banks, whether there are acquaintances to introduce these 6 indicators is better, the age of the co - operative president and the number of the co - operative presidents are 2 indicators 10% significant level, significant, the number of co-operatives, the asset profit rate of the 2 indicators in a significant level of 20%, significant difference, the remaining indicators are not significant. It can be seen that the financial institutions in the loans to cooperatives, more concerned about good relations with the bank, with third party security, asset mortgage At the same time, co-operatives have been established for a long time, and good credit cooperatives have a considerable advantage in obtaining loans from financial institutions. These cooperatives are more likely to get loans from financial institutions.
Finally, in view of the empirical results and the problems that exist in the cooperative financing, the countermeasures and suggestions are put forward to improve the financing difficulties of cooperatives from the government, the self construction of cooperatives and the external construction.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F321.42;F832.4

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