黑龙江省农民专业合作社融资供需协调机制问题研究

发布时间：2018-06-13 16:20

本文选题：农民专业合作社 + 机制设计　；参考：《东北农业大学》2017年硕士论文

【摘要】：农民专业合作社概念起源于19世纪的西方,经过漫长的发展日趋成熟,我国已有法律对其进行了概念上和服务对象上的定义,现已成为农业新型经营主体的典型代表,在农业生产中发挥的作用日益增大。黑龙江省是我国具有代表性的农业大省,经过近些年的发展,省内农民专业合作社的数目不断增多、规模不断扩大、经营情况也得到了初步改善,为黑龙江省农业发展、农村繁荣、农民增收做出了一定贡献,随着外部环境的改善和政策力度的加大,农民专业合作社逐步转向集中生产要素、扩大生产规模的经营方式,这样的模式也逐渐成为农业和农村改革的趋势。然而,合作社在发展的过程中也暴露了一些问题,其中最为突出的是其融资供需失衡的问题。农民合作社想要健康、持续的发展,就必须有充足的资金作为后盾,然而依靠内部筹集和政府扶持所融通到的资金十分有限,不能够充分满足其后续发展的需求,基于以上情况,研究黑龙江省农民专业合作社融资供需协调机制在实践中存在的问题和对策具有实际意义。本文以客观事实为依据,从多角度进行分析研究,首先搜集、查阅大量国内外农民专业合作社相关数据资料,简要说明研究黑龙江省农民专业合作社融资供需协调机制的必要性,以及研究的意义和目的。然后,本文对农民专业合作社、融资供需协调机制等进行了概念界定,同时介绍了金融抑制与金融深化理论、信息不对称理论、企业生命周期理论和机制设计理论。其次,对黑龙江省农民专业合作社发展的现状和融资供需现状进行全面的、理性的分析。通过构建合作社融资供需机制的框架来进行探讨,分别探究黑龙江省农民专业合作社目前融资供需协调机制中存在的问题,研究发现主要存在缺乏信用担保平台、农业保险体系不健全、缺乏完善的征信体系以及民间金融规范程度不高等问题。再者,基于对农民专业合作社融资供需协调机制现状和问题的分析,进行了机制设计理论模型的构建和探讨,研究整个合作社融资供需协调机制中各主体的利益和最终的策略选择,然后探讨金融机构的策略选择、抵押担保、农业保险和农村民间金融分别以何种方式影响农民合作社融资供需协调机制,结果表明,金融机构出于风险考虑设置的贷款条件限制了合作社的融资,当引入抵押物和农业保险变量时,合作社的违约风险以及正规金融机构的贷款利率在一定程度上能够得到降低,并且农村民间金融能够拓宽合作社的融资渠道。最后,针对上述模型得出的结论,结合当前农民专业合作社融资供需协调机制在阶段性实践中暴露出的问题,从政府层面和供需主体层面两个方面来分别提出完善本省农民专业合作社融资供需协调机制的具体对策。
[Abstract]:The concept of farmers' professional cooperatives originated in the 19th century in the West. After a long period of development, our country has defined its concept and service object by law, and has become a typical representative of the new agricultural management subject. The role played in agricultural production is increasing day by day. Heilongjiang Province is a representative agricultural province in China. With the development of recent years, the number and scale of farmers' specialized cooperatives in Heilongjiang Province are increasing, the scale is expanding, and the management situation has also been preliminarily improved for the agricultural development of Heilongjiang Province. With the improvement of the external environment and the intensification of the policy, the farmers' specialized cooperatives gradually turned to the management mode of centralizing production factors and expanding the scale of production. This pattern also gradually becomes the trend of agriculture and rural reform. However, cooperatives also exposed some problems in the process of development, the most prominent of which is the imbalance of financing supply and demand. If farmers' cooperatives want to develop healthily and sustainably, they must be backed by adequate funds. However, the amount of funds raised internally and financed through government support is very limited and cannot fully meet their needs for subsequent development. Based on the above situation, it is of practical significance to study the problems and countermeasures of financing supply and demand coordination mechanism in Heilongjiang farmer cooperatives. Based on the objective facts, this paper analyzes and studies from many angles. First of all, it collects and consults a large number of relevant data of farmers' professional cooperatives at home and abroad. This paper briefly describes the necessity, significance and purpose of the study on the coordination mechanism of supply and demand of financing in the farmers' specialized cooperatives in Heilongjiang Province. Then, this paper defines the concept of farmers' professional cooperatives, financing supply and demand coordination mechanism, and introduces the theory of financial repression and financial deepening, information asymmetry theory, enterprise life cycle theory and mechanism design theory. Secondly, the paper makes a comprehensive and rational analysis of the present situation of the development and financing supply and demand of farmers' professional cooperatives in Heilongjiang Province. By constructing the framework of cooperative financing supply and demand mechanism, this paper probes into the problems existing in the current financing supply and demand coordination mechanism of specialized farmers' cooperatives in Heilongjiang Province, and finds that there is mainly a lack of credit guarantee platform. The agricultural insurance system is not perfect, the credit system is not perfect and the non-governmental financial standard is not high. Furthermore, based on the analysis of the current situation and problems of the coordination mechanism of financing supply and demand in farmers' specialized cooperatives, the theoretical model of mechanism design is constructed and discussed. This paper studies the interests and final strategic choices of the main parties in the cooperative financing supply and demand coordination mechanism, and then discusses the strategic choice of financial institutions, mortgage guarantee, How does agricultural insurance and rural private finance affect the coordination mechanism of financing supply and demand of farmers' cooperatives respectively? the results show that the loan conditions set by financial institutions for risk reasons restrict the financing of cooperatives. When the mortgage and agricultural insurance variables are introduced, the cooperative default risk and the loan interest rate of the formal financial institutions can be reduced to a certain extent, and the rural private finance can broaden the cooperative financing channels. Finally, according to the conclusions of the above model, combined with the current farmers' professional cooperative financing supply and demand coordination mechanism in the stage of practice exposed problems, From the government level and the supply and demand main level two aspects separately proposed the consummation farmer specialized cooperative financing supply and demand coordination mechanism concrete countermeasure.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F321.42

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