西北地区农户购买农资商业信用融资影响因素分析

发布时间：2018-01-22 19:54

本文关键词： 西北农村地区农户商业信用融资 logit模型　出处：《西北农林科技大学》2017年硕士论文　论文类型：学位论文

【摘要】：当前,解决农村发展问题是我国走向共同富裕的关键,在农村实现长足持续的发展过程中,资金扮演着重要角色,然而,伴随商业银行在农村基层的缺失和政府对民间借贷的限制,我国农村金融发展问题一直悬而未决。由于农户普遍受到信贷配给,替代性融资在农村广泛使用,与农业生产具有直接联系的融资方式——商业信用融资广为接受,及时补充了农户生产性资金。然而,以农资赊销为主要表现形式的农户商业信用融资发展尚不完善,由于缺乏相应的法律和规范,农资市场由于赊销带来的资金流动不畅通问题严重,由此给我国农资市场带来了极大的限制,也使农户商业信用的融资功效大打折扣。对我国农村地区商业信用方面的研究,应当继续深化和丰富,农村商业信用也会在我国农村地区经济的继续发展腾飞中发挥应有的功效。国内外对商业信用融资的理论分为两部分,一是替代性融资理论,二是产品市场竞争性假说,两大理论对商业信用的融资替代补充性功能都有所阐述。另外有一些研究,以我国农村地区商业信用融资为主要研究对象,运用理论解释、实证研究等方法,阐述了部分地区农户通过农资赊销的方式获得商业信用的情况,深化了替代性融资理论和产品市场竞争性假说,为农村商业信用融资的进一步研究奠定了基础。本文在国内外研究的基础上,选定农村经济发展相对落后的西北地区进行分析,研究方法采用理论分析和实证验证相结合。基于最新实地调研数据,结合描述性统计分析、变量间相关性检验、logit模型回归分析等方法,对该农村区域农户购买农资中的商业信用融资的情况进行实证分析。实证研究对样本区域进行农户家庭情况、经济收入情况、农业生产情况、借贷情况、农资购买情况进行描述性分析,并总结调研区域自有的特征;之后对受访区域农户购买农资中的商业信用融资影响因素进行回归分析,得出西北地区农户购买农资中的商业信用融资的主要影响因素,正向影响因素包括:借贷情况、经营耕地面积、家庭纯收入农业占比、农资品种(化肥)、购买渠道(产业化)、技术指导,负向影响因素为家庭纯收入(对数);同时,对各个影响因素进行具体分析,其中着重分析资金借贷情况对农户购买农资时的商业信用融资的影响,指出在我国西北农村地区二者之间替代关系的特殊表现;最后根据文章分析结果,提出相关的政策建议。本文共分为五个章节,第一章是文章导论,对研究背景、研究目的及意义、研究思路与路线、方法及可能的创新点和不足之处等进行了简要描述。第二章对全文的理论基础和前人研究成果进行了介绍,理论基础和国内外研究动态在本文选题、进行实地调研和研究思路等方面都有很大的启示作用,也加深了本人对经济金融理论的认识。文章第三章构建了研究模型,并根据实地调研数据进行描述性统计分析,通过对数据的初步分析,对农户商业信用融资的影响因素进行的猜想:户主及家庭特征、农业生产特征、农资购买特征等三个方面可能为被解释变量产生影响。第四章是实证检验,本文把农户商业信用融资作为因变量,通过logit回归模型对被解释变量的影响因素进行验证,实证结果得出对农户商业信用融资具有显著性影响的因素。第五章为文章的结论和政策建议,在前文分析的基础之上得出全文的研究结论,并根据研究结果对农村金融和农资市场的完善提出相关建议。
[Abstract]:At present, rural development to solve the problem is our key to common prosperity in rural areas, achieve rapid and sustainable development in the process of capital plays an important role, however, with commercial banks in the rural grassroots government and lack of restrictions on private lending, financial development issues in China's rural areas have been widespread in suspense. Because the farmers' credit rationing alternative financing, widely used in rural areas, and agricultural production is directly related to the financing of commercial credit financing is widely accepted, timely replenishment of farmer production funds. However, the agricultural credit sales as the main form of rural commercial credit financing development is still not perfect, because of the lack of corresponding laws and regulations, agricultural market because the flow of funds is not smooth credit brings serious problems, which brings a great restriction to China's agricultural market, the farmers for the commercial credit financing Effect greatly. Research on commercial credit in the rural area of our country area, should continue to deepen and enrich the rural commercial credit may exert its effects in the continued development of the economy in the rural area of China. Both at home and abroad of commercial credit financing theory is divided into two parts, one is the alternative financing theory, hypothesis two is the market competition of products, financing two major theories of commercial credit and complementary function are illustrated. Some research on commercial credit financing in China's rural areas as the main research object, using theoretical explanation, empirical research method, elaborated the farmer households to obtain commercial credit by way of agricultural credit. Deepen the alternative financing theory and product market competition hypothesis, which lays a foundation for the further study of rural commercial credit financing. Based on the domestic and foreign, Analysis of the relatively backward rural economic development in Northwest China selected, adopting the research method of theoretical analysis and empirical combination. The latest survey data based on the combination of descriptive statistical analysis, correlation test between variables, logit regression analysis and other methods, the rural area farmers to buy agricultural financing in the case of commercial credit analysis. Empirical research on household sample area, economic income, agricultural production, agricultural lending, buy a descriptive analysis, and summarizes its own regional characteristics; after the visit by regional factors influence farmers to buy agricultural commercial credit financing in regression analysis. The main influencing factors of the farmers in Northwest China the purchase of agricultural financing in commercial credit, including the positive impact factors: lending business, cultivation area, family income The proportion of agriculture, agricultural varieties (fertilizer), purchase channels (industrialization), technical guidance, negative factors for family income (log); at the same time, a detailed analysis of the various factors, which focuses on the analysis of impact of financing funds lending to farmers to buy agricultural of commercial credit, and points out that the special performance instead of the relationship between rural areas in Northwest China two; finally, according to the analysis results, puts forward relevant policy suggestions. This paper is divided into five chapters, the first chapter is the introduction of research background, research purpose and significance, research ideas and routes, gives a brief description of methods and possible innovation and the shortages of the paper. The second chapter introduces the basic theory and previous research results, the theoretical basis and dynamic research at home and abroad in this paper, aspects of field research and research ideas are great Enlightenment, also deepened my knowledge of economic and financial theory. The third chapter builds a research model and descriptive statistical analysis according to the survey data, through the preliminary analysis of the data, the influencing factors of rural commercial credit financing that features the head of household and family, agricultural production characteristics, three aspects of agricultural buy characteristics may influence as explanatory variables. The fourth chapter is the empirical test, the farmers' commercial credit financing as the dependent variable, through the logit regression model to verify the explanatory factor variables, the empirical results show that factors have significant impact on Farmers' commercial credit financing. The fifth chapter is the conclusion and policy recommendations, draw conclusions based on the above analysis, according to the results of improving rural finance and agricultural market make relevant construction Yee.

【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】：2017
【分类号】：F832.35;F830.42

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