本文關(guān)鍵詞：正規(guī)金融機(jī)構(gòu)與農(nóng)業(yè)龍頭企業(yè)合作的風(fēng)險研究　出處：《中國海洋大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 正規(guī)金融機(jī)構(gòu) 農(nóng)業(yè)龍頭企業(yè) 合作 風(fēng)險評價 風(fēng)險控制

【摘要】：正規(guī)金融機(jī)構(gòu)與農(nóng)業(yè)龍頭企業(yè)的合作,其與一般性的公司貸款不同,資金的真正使用者是農(nóng)戶,因此合作中的風(fēng)險控制也存在差別。論文的研究旨在評價正規(guī)金融機(jī)構(gòu)與農(nóng)業(yè)龍頭企業(yè)合作的風(fēng)險狀況,提出適合雙方合作的風(fēng)險控制措施。 本文以信貸補(bǔ)貼理論、農(nóng)村金融市場理論、不完全競爭市場理論等農(nóng)村金融理論為基礎(chǔ),以龍頭企業(yè)在合作中發(fā)揮的作用為標(biāo)準(zhǔn),提出合作可以劃分為統(tǒng)貸統(tǒng)還模式、訂單質(zhì)押模式以及龍頭企業(yè)擔(dān)保模式。其次,提出正規(guī)金融機(jī)構(gòu)通過客戶篩選、信貸額度控制、貸后監(jiān)督,龍頭企業(yè)通過生產(chǎn)技術(shù)指導(dǎo),政府通過合同履行監(jiān)督等措施控制合作風(fēng)險。 通過分析發(fā)現(xiàn),風(fēng)險主要來自于農(nóng)戶、農(nóng)業(yè)龍頭企業(yè)、訂單合同以及外部環(huán)境,以此為基礎(chǔ)設(shè)立指標(biāo)：農(nóng)戶層面的信譽(yù)狀況、文化水平、生產(chǎn)技術(shù)水平、抵押擔(dān)保情況,龍頭企業(yè)層面的信譽(yù)情況、生產(chǎn)經(jīng)營情況、風(fēng)險控制情況、抵押擔(dān)保情況,訂單合同層面的合同條款、仲裁方式、違約成本、契約的不完備性,外部環(huán)境層面的價格風(fēng)險、自然風(fēng)險、政策風(fēng)險以及風(fēng)險保障。其后,通過模糊層次分析法得出指標(biāo)的權(quán)重值。 依據(jù)農(nóng)業(yè)龍頭企業(yè)風(fēng)險控制措施差異最大化的原則,本文選取了山西亨哈山珍公司和遼寧宏達(dá)牛業(yè)有限公司與正規(guī)金融機(jī)構(gòu)的合作為例,運(yùn)用建立的風(fēng)險評價體系對風(fēng)險狀況進(jìn)行評價。研究發(fā)現(xiàn),正規(guī)金融機(jī)構(gòu)在與后者的合作中,風(fēng)險系數(shù)值僅有0.398,遠(yuǎn)遠(yuǎn)小于與前者合作的0.722.風(fēng)險狀況出現(xiàn)明顯差異的原因在于后者采取了一些有效控制信貸風(fēng)險的手段：宏達(dá)公司參與農(nóng)戶調(diào)查降低了正規(guī)金融機(jī)構(gòu)信息不對稱的程度；公司要求農(nóng)戶基地集中飼養(yǎng)能夠高效地監(jiān)控農(nóng)戶的行為；公司要求農(nóng)戶提供與貸款價值相符的實(shí)物作為反擔(dān)保。 本文提出通過構(gòu)建三道風(fēng)險控制防線來降低正規(guī)金融機(jī)構(gòu)所面臨的風(fēng)險：第一道風(fēng)險控制,農(nóng)戶應(yīng)當(dāng)加強(qiáng)自我技術(shù)知識水平學(xué)習(xí)且增強(qiáng)保險意識,農(nóng)業(yè)龍頭企業(yè)要提高生產(chǎn)技術(shù)水平并加強(qiáng)對農(nóng)戶的培訓(xùn),保險公司應(yīng)創(chuàng)新農(nóng)業(yè)保險品種加強(qiáng)為農(nóng)業(yè)服務(wù)的力度,政府應(yīng)積極發(fā)揮引導(dǎo)作用；第二道風(fēng)險控制,由農(nóng)業(yè)龍頭企業(yè)實(shí)施,包括建立農(nóng)戶風(fēng)險評價體系、引入中介組織、加強(qiáng)與農(nóng)戶合作中激勵與約束機(jī)制的建立、幫助農(nóng)戶管理自然風(fēng)險等；第三道風(fēng)險控制,農(nóng)業(yè)龍頭企業(yè)運(yùn)用期貨期權(quán)等工具控制市場風(fēng)險,運(yùn)用風(fēng)險基金控制擔(dān)保風(fēng)險,保險公司為企業(yè)提供全方位的保險,擔(dān)保公司為企業(yè)提供再擔(dān)保,政府對正規(guī)金融機(jī)構(gòu)的風(fēng)險損失給予補(bǔ)償。 本文的創(chuàng)新點(diǎn)主要有兩個：第一,以正規(guī)金融與農(nóng)業(yè)龍頭企業(yè)合作中的風(fēng)險問題作為選題,關(guān)注了農(nóng)村金融產(chǎn)品創(chuàng)新過程中的風(fēng)險問題。第二,通過具體案例分析和比較,發(fā)現(xiàn)正規(guī)金融與農(nóng)業(yè)龍頭企業(yè)合作中,控制龍頭企業(yè)風(fēng)險的主要手段：公司直接全面參與農(nóng)戶調(diào)查,運(yùn)用基地集中飼養(yǎng)高效監(jiān)控農(nóng)戶,建立實(shí)物抵押,借助農(nóng)戶之間的自我篩選機(jī)制控制風(fēng)險。
[Abstract]:The formal financial institutions and agricultural leading enterprises cooperation, and general corporate loans, real users of funds is farmers, so the risk control in the cooperation are different. The thesis aims to cooperate with the leading agricultural enterprises to evaluate the formal financial institutions risk situation, put forward the suitable risk control measures of cooperation between the two sides.
In this paper, the credit subsidy theory, rural financial market theory, imperfect competition theory, rural financial theory, the leading enterprises play a role in the cooperation as the standard, the cooperation can be divided into system credit system also mode orders pledge mode of leading enterprises and guarantee model. Secondly, the formal financial institutions through customer screening, credit control, credit supervision, leading enterprises through production and technical guidance, the government through the contract supervision and other measures to control the risk of cooperation.
The analysis found that the risk is mainly from farmers, agricultural leading enterprises, the contract and the external environment, on the basis of the establishment of index: farmers credit status, cultural level, the level of production technology, collateral, credit level leading enterprises, production and management, risk control, mortgage guarantee, contract terms order, contract level arbitration, the cost of default, the contract is not complete, the level of external environment price risk, natural risk, policy risk and risk protection. Then, through the fuzzy AHP method to get the weights of index value.
According to the difference of agricultural leading enterprise risk control measures of maximum principle, this paper selects the Shanxi hengha mountain company and Liaoning HTC cattle industry Co. Ltd and the formal financial institutions cooperation as an example, using the risk assessment system to evaluate the risk status. The study found that the formal financial institutions in cooperation with the latter, and risk coefficient only 0.398 reasons, 0.722. is far less than the risk status and the cooperation of the obvious difference is that the latter has taken some effective control of credit risk means: Htc CO to participate in the household survey reduces the formal financial institutions, the degree of information asymmetry; the company requires farmers base concentrated feeding can efficiently monitor the behavior of households; the company requires farmers to provide counter guarantee and the value of loans with real actions.
This paper through the construction of three risk control defense to reduce the risk faced by formal financial institutions: the first risk control, farmers should strengthen self knowledge learning and enhance the awareness of insurance, agricultural leading enterprises to improve the level of production technology and to strengthen the training of farmers, insurance companies should strengthen the innovation of agricultural insurance for agricultural services efforts, the government should actively play a guiding role; second risk control, the implementation of the agricultural leading enterprises, including the establishment of farmers' risk evaluation system, the introduction of intermediary organizations, strengthen the establishment of incentive and restraint mechanism and farmers cooperation, help farmers management of natural risks; third risk control, control the market risk using futures and options of agricultural leading enterprises other tools, the use of risk control risk guarantee fund, the insurance company provides a full range of insurance companies, Guarantee Corporation Enterprises provide re guarantee, and the government compensates for the risk loss of regular financial institutions.
There are two main innovations of this paper: first, the risk problem in the formal finance and agricultural leading enterprises in cooperation as a topic, attention to the risk of rural financial product innovation process. In second, through the comparison and analysis of specific cases, found the formal financial and agricultural leading enterprise cooperation, the main means to control the risk of leading enterprises the company directly to fully participate in the household survey, the use of base concentrated feeding and efficient monitoring of farmers, the establishment of physical collateral, between farmers by means of self selection mechanism of risk control.

【學(xué)位授予單位】：中國海洋大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F324;F832.43

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 徐雪高;李歆;;農(nóng)業(yè)貿(mào)易信貸研究綜述[J];首都經(jīng)濟(jì)貿(mào)易大學(xué)學(xué)報;2011年02期

2 張曼;;我國新型農(nóng)村銀行業(yè)金融機(jī)構(gòu)的風(fēng)險管理——基于農(nóng)戶聲譽(yù)機(jī)制的思考[J];山東社會科學(xué);2009年06期

3 王國敏;;農(nóng)業(yè)自然災(zāi)害的風(fēng)險管理與防范體系建設(shè)[J];社會科學(xué)研究;2007年04期

4 王川;;促進(jìn)訂單農(nóng)業(yè)發(fā)展的金融創(chuàng)新[J];世界農(nóng)業(yè);2007年10期

5 谷洪波;馮智靈;;論自然災(zāi)害對我國農(nóng)業(yè)的影響及其治理[J];湖南科技大學(xué)學(xué)報(社會科學(xué)版);2009年02期

6 侯守禮,王威,顧海英;不完備契約及其演進(jìn):政府、信任和制度——以奶業(yè)契約為例[J];中國農(nóng)村觀察;2004年06期

7 林萬龍,張莉琴;農(nóng)業(yè)產(chǎn)業(yè)化龍頭企業(yè)政府財稅補(bǔ)貼政策效率:基于農(nóng)業(yè)上市公司的案例研究[J];中國農(nóng)村經(jīng)濟(jì);2004年10期

8 蒯旭光;金安;陳超;;農(nóng)業(yè)龍頭企業(yè)帶動農(nóng)戶績效的實(shí)證分析——以南京市為例[J];中國農(nóng)學(xué)通報;2008年10期

9 陳敏安;劉旭華;鄭卓瑞;馬濤;;訂單農(nóng)業(yè)貸款的實(shí)踐與啟示[J];西部金融;2012年11期

10 吳東林;錢鋒;;龍頭企業(yè)+農(nóng)戶+信貸+保單[J];中國農(nóng)村信用合作;2009年05期

相關(guān)博士學(xué)位論文 前2條

1 賈馳;農(nóng)業(yè)國際化背景下農(nóng)戶生產(chǎn)效率研究[D];浙江大學(xué);2012年

2 王亞靜;中國契約農(nóng)業(yè)交易行為的理論分析與實(shí)證研究[D];華中農(nóng)業(yè)大學(xué);2007年

相關(guān)碩士學(xué)位論文 前3條

1 王春花;農(nóng)民受教育程度對農(nóng)民收入的影響[D];揚(yáng)州大學(xué);2008年

2 李歆;農(nóng)業(yè)龍頭企業(yè)包含信貸服務(wù)的訂單安排及其對農(nóng)戶信貸約束的緩解作用[D];中國人民大學(xué);2008年

3 周游;訂單農(nóng)業(yè)信用風(fēng)險評價與控制研究[D];鄭州大學(xué);2012年

，

本文編號：1415503