發(fā)布時間：2018-04-29 13:35

  本文選題：銀�；� + 農(nóng)業(yè)新技術��； 參考：《江南大學》2014年碩士論文

【摘要】：在我國農(nóng)村耕地、淡水等資源剛性約束和生態(tài)環(huán)境保護壓力加大的背景下，要實現(xiàn)農(nóng)業(yè)產(chǎn)業(yè)化現(xiàn)代化和城鄉(xiāng)一體化發(fā)展，根本出路在科技。農(nóng)戶作為現(xiàn)代農(nóng)業(yè)科技的應用主體，其新技術選擇行為受多方面因素的影響，從農(nóng)戶視角研究農(nóng)業(yè)新技術應用對提高我國農(nóng)業(yè)科技成果轉(zhuǎn)化率將產(chǎn)生積極直接的效果。而隨著農(nóng)業(yè)逐步進入高投入、高成本、高風險的發(fā)展時期，融資和農(nóng)業(yè)風險管理已成為農(nóng)戶新技術應用的瓶頸，銀�；訖C制作為金融支農(nóng)政策的一種創(chuàng)新形式，能夠有效緩解農(nóng)戶受到的信貸和風險的雙重約束。因此，本文選擇湖南衡東縣進行實地調(diào)研，通過問卷調(diào)查和入戶訪談獲取農(nóng)戶相關數(shù)據(jù)，研究農(nóng)業(yè)信貸與農(nóng)業(yè)保險互動機制及其對農(nóng)戶新技術選擇的影響。 本文在文獻綜述和理論回顧的基礎上，首先對農(nóng)業(yè)信貸、農(nóng)業(yè)保險和新技術應用發(fā)展的現(xiàn)狀進行分析，發(fā)現(xiàn)農(nóng)戶新技術的推廣應用受自身素質(zhì)、資金水平和風險約束的特點越來越明顯，亟需信貸支持和風險保障，銀�；訖C制的提出不僅能夠為農(nóng)業(yè)生產(chǎn)分擔風險，而且能夠有效緩解農(nóng)戶的信貸約束；其次，從經(jīng)濟學視角對農(nóng)戶新技術選擇中的銀保互動機制進行分析，，并介紹了我國銀保互動發(fā)展初期的政策環(huán)境、具體實踐和主要模式；第三，通過對樣本區(qū)域的具體調(diào)研及基本統(tǒng)計分析發(fā)現(xiàn)，受訪農(nóng)戶年齡普遍偏大，受教育程度不高，耕種面積差異化，家庭年收入偏低，保險意識不強，農(nóng)戶新技術選擇行為受個體特征、經(jīng)濟生產(chǎn)特征、制度環(huán)境等各方面因素的影響；第四，采用最優(yōu)尺度回歸方法，分析農(nóng)戶新技術選擇的影響因素，得到農(nóng)戶受教育程度、耕種的土地面積、家庭年收入、技術信息來源數(shù)、風險偏好、是否具有正規(guī)風險應對機制以及信貸可得性等因素具有顯著性，并在此基礎上，把銀�；訖C制引入配對的Logistic模型，檢驗其是否以及在多大程度上影響農(nóng)戶新技術選擇，得到選擇銀�；訖C制的農(nóng)戶采用新技術的可能性是不選擇該機制農(nóng)戶的2.969，在促進農(nóng)戶選擇新技術的過程中，銀保互動機制產(chǎn)生了重要的正向影響。最后，結(jié)合本文的分析結(jié)果和銀�；影l(fā)展的實際，從農(nóng)戶自身、農(nóng)村金融和保險市場、政府等多個角度對銀�；油苿愚r(nóng)戶新技術應用提出了相關政策建議，為農(nóng)業(yè)技術推廣提供解決思路。
[Abstract]:Under the background of the rigid restriction of resources such as rural cultivated land, fresh water and the increasing pressure of ecological environment protection, the fundamental way to realize the modernization of agricultural industrialization and the development of integration of urban and rural areas lies in science and technology. As the main application body of modern agricultural science and technology, the behavior of farmers' new technology selection is affected by many factors. The study on the application of new agricultural technology from the perspective of farmers' perspective will have positive and direct effects on improving the conversion rate of agricultural science and technology achievements in China. With agriculture gradually entering the period of high investment, high cost and high risk, financing and agricultural risk management have become the bottleneck of farmers' new technology application. It can effectively alleviate the double constraints of credit and risk to farmers. Therefore, this paper chooses Hengdong County, Hunan Province for field research, through questionnaires and household interviews to obtain relevant data of farmers, to study the interactive mechanism of agricultural credit and agricultural insurance and its impact on farmers' new technology choice. On the basis of literature review and theoretical review, this paper first analyzes the current situation of agricultural credit, agricultural insurance and the application of new technologies, and finds that the extension and application of new technologies of farmers are subject to their own qualities. The characteristics of capital level and risk constraint are more and more obvious, and the credit support and risk guarantee are needed. The interactive mechanism of bank and insurance can not only share the risk for agricultural production, but also alleviate the credit constraint of farmers effectively. From the perspective of economics, this paper analyzes the mechanism of bancassurance interaction in the choice of new technology for farmers, and introduces the policy environment, concrete practice and main models in the early stage of the development of bancassurance interaction in China. Through the specific investigation and basic statistical analysis of the sample area, it is found that the farmers surveyed are generally older, less educated, less cultivated area, lower annual household income, and less aware of insurance. The behavior of farmers' new technology selection is affected by individual characteristics, economic production characteristics, institutional environment and other factors. Fourthly, the factors affecting farmers' new technology choice are analyzed by using the optimal scale regression method, and the education level of farmers is obtained. The land area cultivated, the annual household income, the number of technical information sources, the risk preference, whether there is a formal risk response mechanism and the availability of credit are significant, and on this basis, This paper introduces the bancassurance interaction mechanism into the paired Logistic model to test whether and to what extent it affects farmers' choice of new technologies. The possibility that farmers who choose the bancassurance interaction mechanism can adopt new technology is 2.9699.In the process of promoting farmers to choose new technology, bancassurance interaction mechanism has an important positive influence. Finally, combined with the analysis results of this paper and the reality of the development of bancassurance interaction, this paper puts forward some relevant policy recommendations to promote the new technology application of farmers from the perspectives of farmers themselves, rural financial and insurance market, government and so on. To provide solutions for agricultural technology extension.
【學位授予單位】：江南大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F323.3;F842.66

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