新型农业经营主体融资增信:制度优化与绩效提升

发布时间：2018-06-26 20:19

本文选题：农村金融 + 农业供给侧结构性改革　；参考：《南方金融》2017年05期

【摘要】：本文运用状态——结构——绩效(SSP)理论框架,从融资增信的内在特性出发,揭示融资增信制度选择的机理,分析其对资源配置的影响,并以山东省章丘市为个案进行案例分析。研究表明:第一,以共保基金为担保物的信贷安排内含较高的交易成本,主要体现为较高的契约成本、信息成本和控制成本;第二,基于融资增信的内在性质,"选择赢家"的边界规则、清晰的程序和退出规则以及严格的监督和分级制裁规则可以作为融资增信制度安排的有机组成部分;第三,从新型农业经营主体的总体层面来考察,融资增信边界规则、贷款短期化以及利率优惠等制度安排,容易造成新型农业经营主体之间的资源配置扭曲。为此,要加强新型农业经营主体信用体系建设,完善信用评级体系,创造良好的信用环境,降低融资增信过程中的交易成本,特别是信息搜寻成本;要完善制度结构,适度放宽增信对象的准入条件,搭建新型农业经营主体平等准入平台,避免由于准入歧视而造成财政、信贷资源分配不合理;要健全财政资金扶持政策体系,营造公平竞争的财政资金扶持政策环境,提高财政、信贷支农的绩效。
[Abstract]:Based on the framework of state-structure-performance (SSP) theory, this paper reveals the mechanism of financing credit enhancement system selection, analyzes its influence on resource allocation, and takes Zhangqiu City, Shandong Province as a case study. The research shows that: first, the credit arrangements with co-guarantee fund as collateral contain higher transaction costs, mainly reflected in higher contract costs, information costs and control costs; second, Based on the intrinsic nature of financing credit enhancement, the "choose winners" boundary rules, clear procedures and exit rules, as well as strict monitoring and hierarchical sanctions rules can be an integral part of financing credit enhancement system arrangements. From the overall level of the main body of the new agricultural management, the rules of margin of financing and credit enhancement, the short-term loan and the preferential interest rate and other institutional arrangements can easily lead to the distortion of the resource allocation among the new agricultural management subjects. Therefore, it is necessary to strengthen the construction of the credit system of the new agricultural management subject, perfect the credit rating system, create a good credit environment, reduce the transaction cost in the process of financing and credit enhancement, especially the cost of information searching, and perfect the system structure. Appropriate relaxation of access conditions for credit-enhancing objects, setting up a platform for equal access of new agricultural operators, avoiding unreasonable allocation of financial and credit resources due to discrimination in access, improving the policy system of financial support and fund support, Create a fair competition of financial funds support policy environment, improve the performance of finance and credit to support agriculture.
【作者单位】：泰山学院;
【基金】：教育部人文社会科学青年基金项目《资源错配视角下农业适度规模经营及政策调适研究》(项目编号:15YJC790104)的资助
【分类号】：F324;F832.43

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