家庭农场融资渠道选择及影响因素研究

发布时间：2018-01-19 23:22

本文关键词： 家庭农场融资渠道农村金融 Probit模型　出处：《安徽大学》2017年硕士论文　论文类型：学位论文

【摘要】：2008年,党的十七届三中全会在报告中首次提出将家庭农场作为新型农业经营主体之一。2013年中央一号文件再次重提家庭农场在增加农民收入和改革新农村方面起到的重要作用。现阶段,我国正处于传统农业向现代化农业过渡时期,现代化农业的发展亟需一种新型的农业经营组织打破传统模式,家庭农场逐渐兴起。随着时间的推移,家庭农场在我国已经得到越来越多的认可。在此基础上,进一步推广家庭农场是发展现代化农业改革的新方向,也是新经济环境下未来农业经营模式大势所趋之态。然而,我国的家庭农场仍处于探索阶段,各个方面发展都不健全,特别是农村金融市场发展的不完善,导致一些亟需解决的问题。其中,融资困难问题严重制约了家庭农场的发展,这一问题的出现严重阻碍了农业经济的繁荣,制约了农业经济的全面发展。因此,如何缓解家庭农场的融资困境变得尤为重要。本文通过对国内外家庭农场融资问题进行了梳理,以信息不对称理论、信贷配给理论和金融抑制理论等一般金融理论和农村金融理论等相关理论为依据,以豫、皖两省384户家庭农场的实地调研数据为基础,分析了当前家庭农场的融资困境和融资渠道选择的行为特征,再进一步运用线性回归和二元Probit模型对影响家庭农场融资渠道的因素进行分析。分析结果显示:通过线性回归模型分析初步得到农场主的个体特征、家庭特征、家庭农场要素特征和政府的政策扶持条件均对家庭农场的融资渠道的选择有显著的影响。其中,家庭成员数、劳动力人数、承包地规模、承包地租金、是否注册验资、是否加入合作社和政府对家庭农场的态度对家庭农场选择向正规金融机构进行融资产生了显著的影响;家庭成员数、劳动力人数、承包地组成、流转地域范围、政府对家庭农场的态度和对农场政策的评价对家庭农场选择向民间借贷渠道有显著的影响;家庭农场选择亲友无息借款融资渠道的影响因素有文化程度、承包地租金、流转地域范围、是否加合作社等。而通过进一步分析发现,家庭农场的规模是决定能否采用正规融资渠道的关键因素,亲友无息借款这种家庭式关怀融资方式,这适用于缺少外出务工能力年龄段的家庭农场主,这使得笔者认为家庭农场这种新兴农业组织形式不能单独解决现代农业发展问题,需要政策扶持。论文的结构框架共分为五个部分。第一部分是导论,包括研究的背景与问题、研究的目的与意义、论文框架与内容、研究思路与方法、可能的创新与不足等。第二部分为相关理论基础和国内外文献综述,主要以一般金融理论和农村金融理论共同构成家庭农场融资渠道选择问题的理论依据,接着对国内外学者关于家庭农场融资方面的相关文献进行了整理,并对其作出简要述评。第三部分是对家庭农场融资渠道的类型及特征进行初步描述分析,为下文进一步分析家庭农场融资渠道选择的影响因素奠定了基础。第四部分是本文研究的核心章节,在上节分析基础上,先运用线性概率模型对其影响因素进行初步的分析,再运用二元Probit模型,对家庭农场的规模决定能否采用正规融资渠道和家庭农场主劳动能力低,使"亲友借贷"成为其重要融资渠道这两个农村金融假说进行计量经济学分析。第五部分是得出相关结论,为进一步完善农村金融市场环境,对于改善家庭农场融资困境的局面提出针对性建议。
[Abstract]:In 2008 the third Plenary Session of the 17th CPC Central Committee, the party's report put forward for the first time the family farm as one of the important role of new agricultural business entities in.2013 central document once again revert to the family farm to increase the income of farmers and the reform of new rural areas. At present, our country is in the transition of traditional agriculture to modern agriculture, modern agriculture development needs a new agricultural management organization to break the traditional mode, the family farm is gradually rising. With the passage of time, the family farm in China has been more and more recognized. On this basis, further promotion of family farm is a new development direction of modern agricultural reform, state agricultural management mode is also represent the general trend of the future under the new economic environment. However, our family farm is still in the exploratory stage, various aspects of development is not perfect, especially the development of rural financial market Not perfect, cause some problems to be solved. The problem of financing difficulties seriously restrict the development of family farms, this problem has seriously hindered the prosperity of the agricultural economy, restricting the comprehensive development of agriculture and economy. Therefore, how to ease the financing difficulties of the family farm has become particularly important. This paper has combed through financing the problem at home and abroad on the family farm, based on the information asymmetry theory, according to the theory of credit rationing theory and the theory of financial repression and the general theory of Finance and rural finance theory in Henan, Anhui two province survey data of 384 households in the farm as the foundation, analyzes the behavior feature selection of financing and financing channels of the family farm further, using linear regression and two element Probit model to analyze the factors influencing the family farm financing channels. The results showed that: through linear regression analysis Preliminary model analysis of individual characteristics, family characteristics of farmers, family farms have significant influence factors and the policy support of the government financing channels on the family farm conditions were selected. Among them, the number of family members, the number of labor contract, the scale, land rent, whether the registered capital, and the attitude of the government on whether to join the cooperatives the family farm on the family farm to choose the formal financial institutions have significant effects on financing; the number of family members, the number of labor, land, circulation region, government attitude to family farms and farm policy evaluation have significant influence to the private lending channels of the family farm choice; factors affecting the choice of family farms relatives of interest free loan financing channels with culture degree, land rent, land area, whether the addition of cooperatives. And through further analysis. Now, the size of the family farm is a key factor in deciding whether the formal financing channels by friends and relatives, the family care interest free loan financing, this applies to the lack of migrant workers age family farmers, which makes the family farm this new agricultural organization alone cannot solve the problem of modern agricultural development, the need for policy support. The frame of the paper is divided into five parts. The first part is the introduction, including the background and research issues, research purpose and significance, the framework and content of this thesis, research ideas and methods, possible innovation and deficiencies. The second part is theoretical basis and literature review, mainly in general and financial theory the rural financial theory constitute the theoretical basis for the selection of the family farm financing problem, and then to the domestic and foreign scholars on the family farm related financing Literatures, and make a brief review of the preliminary description. The third part is the analysis of the types and characteristics of family farms and financing channels, lays the foundation for further analysis of factors influencing the choice of family farm financing channels. The fourth part is the core part of this paper, in the first section on the basis of the analysis, using the linear the probability model for preliminary analysis of its influence factors, then use the Probit model to two yuan, the size of the family farm to decide whether the formal financing channels and the family farmer labor ability is low, so that "friends borrowing" has become the important financing channel of the two rural financial hypothesis by econometric analysis. The fifth part is the conclusion. In order to further improve the rural financial market, to improve the financing difficulties of family farm situation to put forward suggestions.

【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F324.1;F302.6;F832.4

【参考文献】