农户生物资产抵押融资意愿影响因素实证研究

发布时间：2018-07-07 07:04

本文选题：农户 + 生物资产　；参考：《西北农林科技大学》2014年硕士论文

【摘要】：生物资产抵押融资是以生物资产作为抵押品进行融资的新型抵押方式，为解决农户的融资难题提供了新的出路。本文主要选取陕西眉县和杨凌作为代表地区进行数据收集，用实证的方法研究农户生物资产抵押融资意愿的影响因素。文章主要分为六大部分。第一部分为导论。主要介绍论文的选题背景、研究目的意义、国内外研究动态、研究思路、研究方法及文章可能的创新之处。第二部分为文章的理论基础。包括生物资产、抵押理论及农户行为理论，为研究农户生物资产抵押融资意愿奠定理论基础。第三部分分析农户生物资产抵押融资运行模式及存在问题。第四部分对样本选取、变量选择进行说明。基于实地调查数据，从调查样本自身情况及变量对农户生物资产抵押融资意愿的影响两方面对调查结果进行描述性分析。第五部分农户生物资产抵押融资意愿影响因素实证分析。运用Logistic模型寻找影响农户抵押融资意愿的主要因素，，进而通过ISM模型对影响显著的因素进行层次性分析并对结果进行分析说明。第六部分结论与建议。通过上面几部分的分析得出文章结论,针对农户生物资产抵押融资现状，农户抵押融资意的影响因素，提出促进农户生物资产抵押融资发展的对策建议。文章主要结论：（1）农户生物资产抵押融资存在国家政策、法律不完备，金融机构创新不足缺乏应对能力，农民缺乏专业知识技能，相关服务体系不健全等问题。（2）农户生物资产抵押融资意愿较高,67.35%的农户在对政策有了一定了解的基础上明确表示愿意参与抵押融资，并有64.21%的农户认为其是一项有意义的政策，能够在一定程度上解决其抵押品缺乏的现状。（3）农户年龄、家庭劳动力人数、贷款经历、耕地面积、生物资产价值、生物资产抵押品销售难易程度、政策认知、抵押率合适程度认知、抵押融资意义认知对于农户参与生物资产抵押融资的意愿有显著影响。（4）显著影响农户生物资产抵押融资意愿的9个因素具有一定的层次性。其中，家庭耕地面积处于最底层，是最基础根源的影响因素；年龄、家庭劳动力数量及生物资产价值是次基础影响因素；贷款经历、生物资产抵押品销售难易程度以及抵押率合适程度是中层影响因素；抵押政策认知及生物资产抵押融资意义认知是表层直接影响因素。为了进一步促进生物资产抵押融资业务发展及推广，文章建议：（1）完善政策法律，使生物资产抵押融资有法可依。（2）鼓励大胆创新，提高金融机构应对能力。（3）加强社会服务体系建设，促进生物资产抵押融资发展。（4）促进农地的适度规模化经营，发展新型生产经营主体。（5）加宣传教育，促进农村金融市场信息对称性。
[Abstract]:Mortgage financing of biological assets is a new way of financing with biological assets as collateral, which provides a new way to solve the financing problem of farmers. This paper mainly selects Mei County and Yang Ling as representative areas to collect data and use empirical method to study the influencing factors of farmers' willingness to mortgage financing biological assets. The article is divided into six parts. The first part is an introduction. This paper mainly introduces the background, the significance of the research purpose, the research trends, the research ideas, the research methods and the possible innovations of the paper. The second part is the theoretical basis of the article. It includes biological assets, mortgage theory and farmers' behavior theory, which lays a theoretical foundation for the study of farmers' willingness to finance biological assets. The third part analyzes the operation mode and existing problems of farmers' biological assets mortgage financing. The fourth part describes the sample selection and variable selection. Based on the field survey data, this paper makes a descriptive analysis of the survey results from two aspects: the survey sample itself and the influence of variables on farmers' willingness to mortgage financing biological assets. The fifth part is an empirical analysis on the influencing factors of farmers' willingness to finance biological assets. The logistic model is used to find out the main factors that influence farmers' willingness to mortgage financing, and then the significant factors are analyzed by ISM model and the results are analyzed and explained. Part VI: conclusions and recommendations. Through the analysis of the above several parts, the paper draws a conclusion, aiming at the current situation of farmers' biological assets mortgage financing and the influencing factors of farmers' mortgage financing meaning, puts forward the countermeasures and suggestions to promote the development of farmers' biological assets mortgage financing. The main conclusions of the paper are as follows: (1) Farmers' biological assets mortgage financing is subject to national policies, incomplete laws, insufficient innovation of financial institutions, and lack of specialized knowledge and skills. (2) 67.35% of the farmers have a certain understanding of the policy, and 64.21% of the farmers think it is a meaningful policy, and 67.35% of the farmers have a certain understanding of the policy, and 64.21% of the farmers think it is a meaningful policy, and 64.21% of the farmers think it is a meaningful policy, and 64.21% of the farmers think that it is a meaningful policy. (3) the age of farmers, the number of family labor, loan experience, cultivated land area, biological asset value, the degree of difficulty in the sale of biological assets collateral, policy awareness, The cognition of the appropriate degree of mortgage rate and the meaning of mortgage financing have significant influence on the willingness of farmers to participate in the mortgage financing of biological assets. (4) the nine factors that significantly affect the willingness of farmers to mortgage finance of biological assets have a certain hierarchy. Among them, the area of family cultivated land is at the bottom, which is the most basic influencing factor; age, the number of family labor force and the value of biological assets are the sub-basic factors; the loan experience, The degree of difficulty in the sale of biological assets collateral and the appropriate degree of mortgage rate are the middle influencing factors, while the cognition of mortgage policy and the meaning of mortgage financing of biological assets are the direct influence factors on the surface layer. In order to further promote the development and promotion of bio-asset mortgage financing business, the paper suggests: (1) perfecting the policy and law to make the bio-asset mortgage financing have a legal basis; (2) encouraging bold innovation, (3) strengthening the construction of social service system, promoting the development of mortgage financing of biological assets, (4) promoting the moderate scale operation of agricultural land, developing new production and management subjects, (5) increasing publicity and education, and (3) strengthening the construction of social service system and promoting the development of mortgage financing of biological assets. Promote information symmetry in rural financial markets.
【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】：F832.43;F224

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