本文選題：農(nóng)業(yè)保險(xiǎn)　切入點(diǎn)：信貸配給　出處：《福建農(nóng)林大學(xué)》2013年博士論文　論文類型：學(xué)位論文

【摘要】：農(nóng)業(yè)企業(yè)是農(nóng)業(yè)產(chǎn)業(yè)化發(fā)展的中堅(jiān)力量和決定因子。在提升農(nóng)戶產(chǎn)業(yè)化程度與增加農(nóng)戶收入方面具有很強(qiáng)的帶動(dòng)作用。農(nóng)業(yè)企業(yè)發(fā)展需要金融支持,但受到正規(guī)金融機(jī)構(gòu)信貸配給的概率大,而農(nóng)業(yè)產(chǎn)業(yè)弱質(zhì)性引發(fā)的信貸風(fēng)險(xiǎn)可能是農(nóng)業(yè)企業(yè)遭受信貸配給的根本原因。農(nóng)業(yè)保險(xiǎn)可作為克服農(nóng)業(yè)弱質(zhì)性的有效制度安排,作為涉農(nóng)信貸的有效風(fēng)險(xiǎn)分擔(dān)和補(bǔ)償機(jī)制,作為分散銀行業(yè)涉農(nóng)信貸風(fēng)險(xiǎn)的重要途徑,從而改善農(nóng)業(yè)企業(yè)“信貸配給”問題。 本文首先通過收集相關(guān)統(tǒng)計(jì)年鑒數(shù)據(jù),定量化測度福建省農(nóng)業(yè)企業(yè)是否遭受信貸配給及其配給程度；接著構(gòu)建農(nóng)業(yè)保險(xiǎn)影響農(nóng)業(yè)企業(yè)信貸配給研究的理論框架,并在此基礎(chǔ)上設(shè)計(jì)本研究所需的相關(guān)變量；然后進(jìn)行福建省農(nóng)業(yè)企業(yè)的問卷調(diào)查收集數(shù)據(jù),利用結(jié)構(gòu)方程模型和單因素方差分析法,實(shí)證檢驗(yàn)農(nóng)業(yè)保險(xiǎn)對農(nóng)業(yè)企業(yè)信貸配給的影響機(jī)理,同時(shí)識別農(nóng)業(yè)企業(yè)購買農(nóng)業(yè)保險(xiǎn)行為的關(guān)鍵影響因素；最終提出基于化解農(nóng)業(yè)企業(yè)信貸配給的農(nóng)業(yè)保險(xiǎn)發(fā)展政策建議。 文章通過理論分析和實(shí)證研究,得到的主要結(jié)論：(1)福建省市級以上農(nóng)業(yè)龍頭企業(yè)遭受的信貸配給程度很高且逐漸惡化,但銀行機(jī)構(gòu)對市級以上農(nóng)業(yè)龍頭企業(yè)的新增信貸資金很好地流向產(chǎn)出效率較高的龍頭企業(yè),信貸配給效率整體較高。(2)實(shí)證驗(yàn)證農(nóng)業(yè)保險(xiǎn)可以作為緩解農(nóng)業(yè)企業(yè)信貸配給的政策工具。農(nóng)業(yè)企業(yè)購買農(nóng)業(yè)保險(xiǎn)可直接緩解農(nóng)業(yè)企業(yè)所遭受的信貸配給,還通過降低其信貸風(fēng)險(xiǎn),進(jìn)而緩解農(nóng)業(yè)企業(yè)農(nóng)業(yè)企業(yè)所遭受的信貸配給。(3)識別了農(nóng)業(yè)企業(yè)信貸配給的關(guān)鍵影響因素。政府政策因素、農(nóng)業(yè)企業(yè)行為因素和購保行為測量變量對農(nóng)業(yè)企業(yè)信貸配給有顯著的緩解作用；信貸風(fēng)險(xiǎn)測量變量對農(nóng)業(yè)企業(yè)信貸配給有顯著的推波助瀾作用。(4)識別了農(nóng)業(yè)企業(yè)購買農(nóng)業(yè)保險(xiǎn)行為的關(guān)鍵影響因素。政府政策因素、農(nóng)業(yè)企業(yè)行為因素和信貸配給對農(nóng)業(yè)企業(yè)購買農(nóng)業(yè)保險(xiǎn)行為有顯著的促進(jìn)作用影響,農(nóng)業(yè)企業(yè)信貸風(fēng)險(xiǎn)通過信貸配給對購買農(nóng)業(yè)保險(xiǎn)行為產(chǎn)生顯著的間接促進(jìn)作用。(5)農(nóng)業(yè)企業(yè)異質(zhì)性對購買農(nóng)業(yè)保險(xiǎn)行為具有顯著影響。企業(yè)規(guī)模、企業(yè)注冊資本、銷售收入、所處產(chǎn)業(yè)鏈環(huán)節(jié)、企業(yè)與政府關(guān)系、是否曾獲得過保險(xiǎn)公司賠付、地理位置的不同在一定程度上會(huì)對企業(yè)在農(nóng)業(yè)保險(xiǎn)購買行為方面產(chǎn)生影響。 本研究在信貸配給理論、農(nóng)業(yè)保險(xiǎn)理論和利益相關(guān)者理論的指導(dǎo)下,嘗試構(gòu)建農(nóng)業(yè)保險(xiǎn)影響農(nóng)業(yè)企業(yè)信貸配給研究的理論分析框架；驗(yàn)證農(nóng)業(yè)保險(xiǎn)購買行為對農(nóng)業(yè)企業(yè)信貸配給的影響程度,驗(yàn)證農(nóng)業(yè)保險(xiǎn)能否作為緩解農(nóng)業(yè)企業(yè)信貸配給的制度工具；較為系統(tǒng)地考察農(nóng)業(yè)企業(yè)購買農(nóng)業(yè)保險(xiǎn)行為的關(guān)鍵影響因素。以上3方面研究,豐富和發(fā)展農(nóng)業(yè)保險(xiǎn)對農(nóng)業(yè)信貸支持效應(yīng)的實(shí)證研究成果,豐富和發(fā)展農(nóng)業(yè)企業(yè)購買農(nóng)業(yè)保險(xiǎn)行為影響因素的理論研究成果。
[Abstract]:The agricultural enterprise is the backbone of the development of agricultural industrialization and the decision factor. Have a strong leading role in promoting rural industrialization level and increase farmers' income. Agricultural enterprise development needs financial support, but the probability of credit rationing by formal financial institutions, and the agricultural industry weak credit risk caused by agricultural enterprises may be suffering the fundamental reason of credit rationing. Agricultural insurance can be used as an effective system to overcome the weakness of agriculture arrangement, as an effective risk sharing and compensation mechanism of agricultural credit, as an important way to spread the Bank of agriculture related credit risk, so as to improve the agricultural enterprises "credit rationing" problem.
Firstly, through the collection of relevant statistical data, whether quantitative measurement for agricultural enterprises in Fujian province suffered credit rationing and rationing; then construct the theoretical framework of credit rationing of agricultural insurance effect of agricultural enterprises, and based on the related design variables needed in this research; then carries on the questionnaire survey of agricultural enterprises in Fujian Province to collect data. Using the method of structural equation model and single factor variance, an empirical test of the agricultural insurance mechanism of credit rationing of agricultural enterprises, key factors and the recognition of agricultural enterprises to buy agricultural insurance behavior; finally put forward the suggestions of reducing agricultural enterprise credit rationing policy based on the development of agricultural insurance.
This paper through theoretical analysis and empirical research, the main conclusions are: (1) a high degree of credit rationing above the level of agricultural leading enterprises in Fujian province suffered and gradually deteriorated, but the banks leading enterprises above the level of agricultural leading enterprises of the new credit funds well to higher efficiency, higher overall efficiency of credit rationing. (2) the empirical validation of agricultural insurance can be used to relieve agricultural enterprises credit rationing policy tools. Agricultural enterprises buy agricultural insurance can directly alleviate agricultural enterprises suffered credit rationing, also by reducing the credit risk, and alleviate agricultural enterprises agricultural enterprises suffered credit rationing. (3) to identify the key factors of rationing agricultural enterprises. The government credit policy, credit behavior factors and agricultural enterprises purchase insurance behavior measurement variables on agricultural enterprises have significant relief for rationing the letter; Credit loan risk measurement variables of agricultural enterprises have a significant role in fueling the rationing. (4) identify the key factors of agricultural enterprises to buy agricultural insurance behavior. Government policy factors, business factors and behavior of agricultural credit rationing on agricultural enterprises to buy agricultural insurance behavior have a significant role in promoting the effect of credit risk through credit rationing from agricultural enterprises indirect promotion effect on the purchase of agricultural insurance. (5) heterogeneity of agricultural enterprises has a significant impact on the purchase behavior of agricultural insurance. The scale of enterprises, enterprises registered capital, sales revenue, the industry chain, the relationship between enterprises and government, whether received the insurance company paid, the different geographical location to a certain extent will have an impact on the purchase behavior of enterprises in agricultural insurance.
The study on credit rationing theory, agricultural insurance theory and stakeholder theory, try to build on credit rationing of agricultural insurance effect of agricultural enterprises theoretical framework; verification of agricultural insurance purchase behavior of agricultural enterprise credit rationing influences the degree of agricultural insurance can ease as verification of agricultural enterprises credit rationing system systematic tools; to investigate the key influence factors of agricultural enterprises to buy agricultural insurance behavior. The above 3 studies, empirical studies support the enrichment and development of the agricultural insurance effect on agricultural credit achievements, enrich and develop the theoretical research achievements of agricultural enterprises to buy agricultural insurance behavior.

【學(xué)位授予單位】：福建農(nóng)林大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2013
【分類號】：F832.4;F842.66

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