绥化市农民专业合作社的金融支持研究

发布时间：2018-10-15 17:11

【摘要】：党的十八届三中全会上提到的全面深化改革是新时期我国的重要战略部署,黑龙江省利用其独特的地理环境优势,积极围绕“创新农业生产经营主体、加快构建现代农业产业体系、创新农村金融保险服务”等改革任务,重点推进松嫩平原、三江平原的现代化农业综合配套改革试验建设,使黑龙江省再次走在了引领现代农业发展、深化农村改革发展的前沿。绥化市作为黑龙江省农业大市,率先实行“两大平原”配套改革方案,积极探索、大胆尝试,为新型农业经营体系的发展开辟一条实践路径。绥化市在创建新型的农业经营主体时对农民专业合作社是十分关注和支持的,尤其是体制上不断健全,管理上不断的加强,在经营主体上去引导进行发展。截至2014年底,绥化市农民专业合作社已发展到10054户。绥化市农民专业合作社整体发展趋势比较好,但是背后的支持力量还不够,尤其是政府和相关的金融机构,金融服务发展较慢,阻碍了农民专业合作社的发展,不能够满足其发展趋势。因此,农民专业合作社的发展必须依靠金融支持显得十分必要。本研究首先对国内外研究文献的资料进行整理,明确研究方法,从概念上界定了农民专业合作社与金融支持,并对本文所研究的农民专业合作社的金融支持做了界定,论述本研究的理论基础。从资金需求以及资金来源两方面分析绥化市农民专业合作社的金融支持状况,归纳金融支持现状中存在的问题,主要有资金供需不平衡、政府支持力度不够、信贷支持不足、缺乏贷款抵押物、金融服务机构缺失、农业保险供给不足。其次,本研究从合作社自身的角度出发,对绥化市农民专业合作社的金融支持选取贷款的可获得性这一方面进行理论分析和实证分析,选择合作社的经营能力、无形资产、银社关系、社长个人特征、外部环境,这几个因素对农民专业合作社贷款是存在一定的影响的。运用SPSS17统计软件对样本数据进行Logistic回归处理,采用逐步向后进行筛选的办法,并对结果进行检验。结果表明,盈利能力对合作社的贷款获得影响不显著,而资产规模、社长情况等对合作社贷款的获得影响显著。最后,通过学习国内陕西洛南县、湖南张家界、杨凌示范区等典型的县市农民专业合作社的金融支持所取得的成效并从中获得经验启示。对绥化市农民专业合作社的金融支持提出了加大信贷支持力度、提升政府扶持力度、建立和完善农业保险体系和贷款担保制度、完善相关制度及法律法规、加强金融产品和服务的创新等对策建议。
[Abstract]:The comprehensive deepening of the reform mentioned at the third Plenary session of the 18th CPC Central Committee is an important strategic arrangement of our country in the new period. Heilongjiang Province has taken advantage of its unique geographical environment to actively revolve around "innovating the main body of agricultural production and management," To accelerate the construction of a modern agricultural industrial system, to innovate the rural financial and insurance services, and to focus on promoting the comprehensive reform and experimental construction of modern agriculture in the Songnen Plain and the Sanjiang Plain. So that Heilongjiang Province once again led the development of modern agriculture, deepening the development of rural reform. As a big agricultural city in Heilongjiang Province, Suihua City has taken the lead in carrying out the "two Great Plains" supporting reform scheme, actively exploring and making bold attempts to open up a practical path for the development of the new agricultural management system. Suihua City pays close attention to and supports the farmers' professional cooperative when it establishes a new type of agricultural management subject, especially the system is constantly perfect, the management is constantly strengthened, and the management subject is guided to develop. By the end of 2014, Suihua Peasant Professional Cooperative has developed to 10054 households. The overall development trend of professional farmers cooperatives in Suihua City is relatively good, but the support behind them is not enough. In particular, the development of financial services of the government and related financial institutions is slow, which hinders the development of specialized farmers' cooperatives. Cannot satisfy its development trend. Therefore, the development of farmers' professional cooperatives must rely on financial support is very necessary. Firstly, the research literature at home and abroad is sorted out, the research method is clear, and the concept of farmers' professional cooperative and financial support is defined, and the financial support of the farmer's professional cooperative is defined in this paper. The theoretical basis of this study is discussed. This paper analyzes the financial support situation of farmers' specialized cooperatives in Suihua City from the aspects of capital demand and fund source, and summarizes the problems existing in the present financial support situation. The main problems are the imbalance between supply and demand of funds, insufficient government support and insufficient credit support. Lack of loan collateral, lack of financial services institutions, inadequate supply of agricultural insurance. Secondly, from the perspective of cooperatives, this paper makes theoretical and empirical analysis on the availability of loans for the financial support of farmers' specialized cooperatives in Suihua City, and selects the management ability and intangible assets of cooperatives. The relationship between the bank and the society, the personal characteristics of the president, the external environment, these factors have certain influence on the loan of the farmer specialized cooperative. The SPSS17 statistical software was used to process the sample data by Logistic regression, and the method of stepwise backward screening was adopted, and the results were tested. The results show that the profitability has no significant influence on the loan acquisition of cooperatives, while the size of assets and the situation of directors have a significant impact on the acquisition of cooperative loans. Finally, by studying the financial support of typical county farmers' professional cooperatives in Luonan County, Hunan Province, Zhangjiajie County, Hunan Province and Yang Ling demonstration area, we can get some experience and enlightenment. To the financial support of Suihua farmers' specialized cooperative, this paper puts forward to increase the credit support, enhance the government's support, establish and perfect the agricultural insurance system and loan guarantee system, perfect the related system and laws and regulations. Strengthen the innovation of financial products and services and other countermeasures.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F321.42

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