本文關(guān)鍵詞：基于擔(dān)保授信的農(nóng)戶供應(yīng)鏈融資信用水平研究　出處：《中國海洋大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：農(nóng)村金融供需不平衡，農(nóng)戶要解決自身資金短缺的問題，依托產(chǎn)業(yè)鏈進(jìn)行貸款擔(dān)保是目前最有效的措施。本研究的目的在對政策性擔(dān)保授信下的農(nóng)戶供應(yīng)鏈融資、互助性擔(dān)保授信下的農(nóng)戶供應(yīng)鏈融資以及商業(yè)性擔(dān)保授信下的農(nóng)戶供應(yīng)鏈融資三種方式比較研究的基礎(chǔ)上，將三種擔(dān)保方式對農(nóng)戶信用水平的影響進(jìn)行比較研究，得出其中對于農(nóng)戶信用水平影響顯著性最大的擔(dān)保方式，據(jù)此解決農(nóng)戶貸款擔(dān)保難問題。 本文通過對現(xiàn)有相關(guān)文獻(xiàn)進(jìn)行梳理，提出農(nóng)戶貸款擔(dān)保的理論分析框架，對農(nóng)戶供應(yīng)鏈擔(dān)保融資的信用水平控制機(jī)制及效果進(jìn)行理論分析�？刂茩C(jī)制從信用能力和信貸風(fēng)險(xiǎn)兩個(gè)角度設(shè)立了授信準(zhǔn)入、結(jié)構(gòu)授信、擔(dān)保替代、貸前甄別、現(xiàn)金流控制、貸款風(fēng)險(xiǎn)補(bǔ)償、擔(dān)保機(jī)構(gòu)的分散風(fēng)險(xiǎn)機(jī)制、貸款合約等測量指標(biāo)，，其中擔(dān)保機(jī)構(gòu)的分散風(fēng)險(xiǎn)機(jī)制包括資本金來源、資本金補(bǔ)充、擔(dān)保機(jī)構(gòu)獨(dú)立性、擔(dān)保機(jī)構(gòu)風(fēng)險(xiǎn)管理以及擔(dān)保機(jī)構(gòu)效率，貸款合約包括授信額度、貸款利率以及貸款期限。 本研究通過問卷調(diào)查，對農(nóng)戶供應(yīng)鏈融資信用水平的控制機(jī)制及政策性擔(dān)保融資、互助性擔(dān)保融資、商業(yè)性擔(dān)保融資對于農(nóng)戶提高信用水平的作用效果差異進(jìn)行實(shí)證研究。另外運(yùn)用案例研究的方法，依據(jù)不同的擔(dān)保方式，找到具有代表性的案例，對案例的背景、操作流程以及控制機(jī)制進(jìn)行分析。據(jù)此，研究認(rèn)為對信用水平的控制機(jī)制中，龍頭企業(yè)結(jié)合供應(yīng)鏈成立的專業(yè)農(nóng)牧擔(dān)保公司這種商業(yè)擔(dān)保融資模式對于提高農(nóng)戶供應(yīng)鏈融資信用水平所采取的的各項(xiàng)措施更為合理。效果上，在提高農(nóng)戶信用能力，研究發(fā)現(xiàn)商業(yè)性擔(dān)保融資更為有效；但是對于降低信貸風(fēng)險(xiǎn)，研究結(jié)果顯示政策性擔(dān)保融資模式效果更為顯著，主要原因可能是依賴于政府信用的強(qiáng)大作用。政府應(yīng)采取積極措施發(fā)展適合于農(nóng)村金融的商業(yè)性擔(dān)保融資，將政府信用更多的融入商業(yè)擔(dān)保模式中，以提高農(nóng)戶信用水平。 本文的創(chuàng)新點(diǎn)主要在于：通過將農(nóng)戶供應(yīng)鏈的政策性擔(dān)保融資、互助性擔(dān)保融資以及商業(yè)性擔(dān)保融資進(jìn)行比較研究，比較側(cè)重于不同擔(dān)保方式的控制機(jī)制以及對于農(nóng)戶信用水平的作用差異，得出適合于提高農(nóng)戶信用水平的擔(dān)保融資模式，即通過農(nóng)業(yè)龍頭企業(yè)成立的專業(yè)農(nóng)牧擔(dān)保公司來為農(nóng)戶進(jìn)行供應(yīng)鏈融資擔(dān)保的商業(yè)擔(dān)保融資模式，而且對其融入更多的政府信用，效果更好。
[Abstract]:Rural financial supply and demand imbalance, farmers to solve their own shortage of funds. Relying on the industry chain to guarantee loans is the most effective measure at present. The purpose of this study is to finance the supply chain of farmers under the policy guarantee. On the basis of comparative study of three modes of supply chain financing under mutual guarantee credit and commercial guarantee credit. This paper makes a comparative study on the influence of three kinds of guarantee methods on the credit level of peasant households, and finds out the most significant way to guarantee the credit level of farmers, and then solves the problem of the guarantee of farmers' loans. This paper puts forward the theoretical analysis framework of peasant household loan guarantee by combing the existing relevant literature. This paper theoretically analyzes the credit level control mechanism and its effect of guaranteed financing in the supply chain of farmers. The control mechanism sets up credit access, structural credit granting, guarantee substitution and pre-credit screening from the two angles of credit ability and credit risk. Cash flow control, loan risk compensation, risk diversification mechanism of guarantee institutions, loan contracts, and other measurement indicators, which guarantee institutions including the source of capital, capital replenishment, guarantee agency independence. Guarantee agency risk management and guarantee agency efficiency, loan contracts including credit lines, loan interest rates and loan duration. Through the questionnaire survey, this study aims to control the credit level of supply chain financing of farmers, policy guarantee financing, mutual guarantee financing. Commercial secured financing for farmers to improve the impact of credit level of empirical research. In addition, the use of case study method, according to different guarantee methods, find representative cases. The background, operation process and control mechanism of the case are analyzed. Leading enterprises in combination with the establishment of the supply chain of professional agricultural and pastoral guarantee companies this mode of commercial guarantee financing for farmers to improve the credit level of supply chain financing measures are more reasonable and effective. In order to improve the credit ability of farmers, it is found that commercial secured financing is more effective. However, to reduce the credit risk, the research results show that the policy secured financing model is more effective. The main reason may be relying on the powerful role of government credit. The government should take active measures to develop commercial guarantee financing suitable for rural finance and integrate more government credit into commercial guarantee mode. In order to improve the credit level of farmers. The innovation of this paper mainly lies in: the comparative study of the policy guarantee financing, mutual guarantee financing and commercial guarantee financing of farmers' supply chain. Compared with the control mechanism of different guarantee ways and the difference of the function to the farmer's credit level, we get the guarantee financing mode suitable for improving the farmer's credit level. That is, the commercial guarantee financing mode of supply chain financing guarantee for farmers is established by the specialized agricultural and pastoral guarantee company set up by leading agricultural enterprises, and the effect is better if it is integrated into more government credit.
【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】：2014
【分類號】：F832.35

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