沧州市献县农民专业合作社融资问题研究

发布时间：2018-01-07 18:13

本文关键词：沧州市献县农民专业合作社融资问题研究　出处：《河北农业大学》2015年硕士论文　论文类型：学位论文

【摘要】：献县农民专业合作社的兴起和发展,解决了家庭联产承经营下农户分散性经营和现代农业集约化之间的矛盾,减少丫市场竞争给农民带来的风险,成为推动农业发展的一个重要新型主体力量,对推动该县农业发展和提高农民收入起到了重要作用。然而,在其发展过程中,始终存在融资难问题。特别是近些年来,随着农民专业合作社经营规模的扩大和生产成本的上升,对资金的需求越来越大,融资难问题越来越成为阻碍其发展的最大瓶颈。因此,加强对该县农民专业合作社融资问题的研究,提出解决合作社融资难问题的对策,不仅对打破制约献县农民专业合作社发展的瓶颈,促进其健康发展,发展该县现代农业具有重要意义,对解决其它地区农民专业合作社普遍存在的融资难问题有一定借鉴作用,而且对我国合作社制度和理论发展与创新,也有一定价值。本文以实地问卷调查与访问取得的大量资料为依据,运用规范分析和实证分析相结合的研究方法,对献县农民专业合作社融资问题进行比较系统研究。一是总结和概述了国内外在农民专业合作社融资问题上研究成果,界定了相关概念,并对合作社理论、融资理论和产权理论进行阐述,构建了本文的理论背景。二是在揭示该县农民专业合作社发展特点基础上,阐明了该县农民专业合作社融资的基本状况,认为该县农民专业合作对资金需求特别是季节性需求旺,而且缺口大;在不同融资途径中,通过金融机构贷款是主要途径,但受到极大限制,融资渠道较窄。三是指出了献县农民专业合作社融资面临的问题。主耍是合作社内源资金少、金融机构支持不够、缺乏合适信贷产品和民间借贷融资少、风险大等。四是从农民专业合作社自身制度、金融环境和政府支撑三个层面,对造成该县农民专业合作社融资难问题的原因进行了比较深入地分析。五是针对这些原因,提出了优化献县农民专业合作社融资的建议。包括改革农民专业合作社的制度、完善农民专业合作社利益分配机制、完善管理机制提高管理水平、建立有效的金融风险转移机制、改善农村金融环境、深化农村信用社改革和创新信贷产品等。本文首次以沧州市献县作为研究对象,对该县农民专业合作社融资问题进行了多方位的深入调查与研宄,揭示了该县农民专业合作社发展的特点,阐明了该县农民专业合作社融资的基本状况,探讨了该县农民专业合作社融资存在的问题及其原因,提出了比较适合献县实际情况,有针对性的解决对策。
[Abstract]:The rise and development of farmers' specialized cooperatives in Xianxian County has solved the contradiction between the decentralized management of farmers and the intensification of modern agriculture and reduced the risks brought to farmers by market competition. As an important new main force to promote the development of agriculture, it has played an important role in promoting the agricultural development of the county and raising the income of farmers. However, in the process of its development. Especially in recent years, with the expansion of the scale of farmers' professional cooperatives and the rise of production costs, the demand for funds is increasing. Therefore, strengthen the research on the financing problem of farmers' specialized cooperatives in this county, and put forward the countermeasures to solve the financing difficulties of cooperatives. It is of great significance not only to break the bottleneck restricting the development of farmers' professional cooperatives in Xianxian County, but also to promote their healthy development and to develop modern agriculture in this county. It can be used for reference to solve the difficult financing problems of farmers' specialized cooperatives in other regions, and it is also helpful to the development and innovation of cooperative system and theory in our country. This paper is based on a large number of data obtained from the field survey and interviews, and uses the research method of combining normative analysis and empirical analysis. The first is to summarize and summarize the domestic and foreign research results on the financing of farmers' specialized cooperatives, define the relevant concepts, and the theory of cooperatives. The financing theory and property right theory are expounded, and the theoretical background of this paper is constructed. Secondly, on the basis of revealing the characteristics of the development of farmers' specialized cooperatives in this county, the basic state of financing of the county's farmers' professional cooperatives is clarified. It is believed that the farmers' professional cooperation in this county has a great demand for funds, especially seasonal demand, and the gap is large. Among the different financing channels, lending through financial institutions is the main way, but is greatly restricted. Financing channels are narrow. Third, it points out the problems faced by the farmers' specialized cooperatives in Xianxian County. The chief player is the cooperatives with less endogenous funds, insufficient financial support, lack of appropriate credit products and lack of private loan financing. Fourth, from the farmers' professional cooperatives own system, financial environment and government support three levels. In this paper, the causes of the financing difficulties of farmers' specialized cooperatives in this county are analyzed in depth. Fifth, the reasons are aimed at these reasons. The paper puts forward some suggestions to optimize the financing of farmers' specialized cooperatives in Xianxian county, including reforming the system of farmers' professional cooperatives, perfecting the benefit distribution mechanism of farmers' professional cooperatives, and perfecting the management mechanism to improve the management level. Establish an effective financial risk transfer mechanism, improve the rural financial environment, deepen the reform of rural credit cooperatives and innovative credit products. In this paper, the financing problems of farmers' specialized cooperatives in this county are investigated and studied in various directions, and the characteristics of the development of farmers' specialized cooperatives in this county are revealed, and the basic state of financing of farmers' specialized cooperatives in this county is clarified. This paper probes into the problems existing in the financing of farmers' specialized cooperatives in this county and their causes, and puts forward some countermeasures which are more suitable for the actual situation of Xianxian County.
【学位授予单位】：河北农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F321.42;F832.4

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