杭州市发展家庭农场的金融支持研究

发布时间：2018-05-01 12:01

本文选题：家庭农场 + 农村金融　；参考：《四川农业大学》2016年硕士论文

【摘要】：2013年,在中央一号文件中第一次出现了“家庭农场”的概念,同时出台的还有认定家庭农场的具体标准以及详细的操作方法,在此条件下,家庭农场这类新型农业经营主体就此诞生,同时成了中国农业经营的一个重要组织模式。家庭农场相较于传统农业生产经营形式有着不可比拟的优势：商品率高,生产率高,调整布局方便等。在此背景下,家庭农场在杭州地区遍地开花,各个地区农民的积极性也被不断激发,家庭农场的发展前景一片大好。然而在家庭农场发展的过程中也逐渐出现了一些难题,这些问题制约着家庭农场进一步的发展,其中金融支持的缺失则是关乎家庭农场生死存亡的首要问题。金融支持缺位的问题,使得金融体系整体功能被削弱,金融服务难以满足家庭农场的发展需求,进而影响农民收入的增长。本文希望通过对杭州市家庭农场金融支持的研究,找到其中存在的问题,并分析问题的产生原因,从而为解决杭州市家庭农场金融支持的问题提供一些参考意义。本文对杭州地区70家家庭农场进行了走访调查,同时咨询了杭州市政府相关部门,获得了第一手资料。本文通过对杭州市家庭农场的实地调查,全面了解了杭州市家庭农场的发展状况、家庭农场的实际需求及金融支持现状。本文站在家庭农场的角度,以农村金融、规模效应等理论为基础,通过定性分析和对比分析等方法,发现了实际存在的问题和困难：(1)家庭农场融资问题,主要表现为家庭农场资金缺口较大,融资额度低、期限短,以及正规的金融渠道不畅；(2)农业保险问题,包括家庭农场参保率不高、农业保险理赔流程繁琐及赔偿标准不合理；(3)金融服务缺失问题。然后,本文又从家庭农场、政府和金融机构三个方面分析了产生问题的原因。最后,通过对相关文献的阅读学习,了解了国外发达地区金融支持家庭农场发展的做法与经验,总结出了这些经验对解决杭州市家庭农场金融支持问题的启示,从而进一步探讨了针对杭州市家庭农场金融支持的对策建议：(1)继续增加对家庭农场的财政补贴；(2)大力发展新型农村合作金融组织;(3)建立完善的信用体系和担保体系；(4)应该从生产经营的各个环节来为家庭农场提供金融支持；(5)提高家庭农场经营者的管理水平。
[Abstract]:In 2013, the concept of "family farm" appeared for the first time in the first document of the Central Committee, along with specific criteria and detailed operating methods for identifying family farms. Family farm, a new type of agricultural management, was born, and it became an important organization mode of Chinese agricultural management at the same time. Family farms have incomparable advantages over traditional agricultural production and management, such as high commodity rate, high productivity, convenient adjustment of layout, and so on. Under this background, the family farm blooms everywhere in Hangzhou, and the enthusiasm of the farmers in every area is constantly stimulated, the development prospect of the family farm is very good. However, in the process of family farm development, there are some difficult problems, which restrict the further development of family farm, among which the lack of financial support is the first issue related to the life and death of family farm. The lack of financial support weakens the overall function of the financial system and makes the financial services difficult to meet the development needs of family farms, thus affecting the growth of farmers' income. This paper hopes to find out the existing problems and analyze the causes of the problems through the research on the financial support of family farms in Hangzhou, so as to provide some reference significance for solving the problems of financial support of family farms in Hangzhou. In this paper, 70 family farms in Hangzhou area were investigated, and the relevant departments of Hangzhou Municipal Government were consulted and first-hand information was obtained. Based on the field investigation of family farms in Hangzhou, this paper fully understands the development of family farms in Hangzhou, the actual needs of family farms and the current situation of financial support. Based on the theories of rural finance and scale effect, this paper, from the angle of family farm, finds out the practical problems and difficulties of family farm financing by means of qualitative analysis and comparative analysis. The main manifestations are the large gap in family farm funds, the low amount of financing, the short term, and the lack of formal financial channels.) the agricultural insurance problem, including the low rate of family farm insurance, The process of agricultural insurance claims is cumbersome and the standard of compensation is unreasonable. Then, this paper analyzes the causes of the problems from three aspects: family farm, government and financial institutions. Finally, by reading and studying the relevant literature, the author has learned the practice and experience of financial support for family farm development in developed areas abroad, and summed up the enlightenment of these experiences to solve the financial support problem of family farm in Hangzhou. Therefore, this paper further discusses the countermeasures for financial support of family farms in Hangzhou. Suggestions: 1) continue to increase financial subsidies to family farms 2) vigorously develop a new type of rural cooperative financial organization: 3) establish a sound credit system and guarantee system We should provide financial support to the family farm from all aspects of production and management) and improve the management level of the family farm operator.
【学位授予单位】：四川农业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F324.1

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