本文選題：壽光市 + 農(nóng)民專業(yè)合作社��； 參考：《西北農(nóng)林科技大學》2014年碩士論文

【摘要】：農(nóng)民專業(yè)合作社作為一種新興的農(nóng)村合作經(jīng)濟組織，在我國農(nóng)業(yè)經(jīng)濟發(fā)展中扮演著重要角色，農(nóng)民專業(yè)合作社可以把分散的農(nóng)戶組織起來，采用民主管理的方式，以增加成員的收入為主要目的，為其成員提供生產(chǎn)資料的采購、農(nóng)產(chǎn)品運輸、加工、銷售及貯藏等服務(wù)。農(nóng)民專業(yè)合作社充足的資金對保障農(nóng)民專業(yè)合作社的健康、快速發(fā)展有著重要的促進作用，但是目前農(nóng)民專業(yè)合作社發(fā)展面臨著嚴重的資金短缺、融資難問題成為制約農(nóng)民專業(yè)合作社發(fā)展的瓶頸。雖然國家已經(jīng)出臺相關(guān)政策、法律進行扶持，但是農(nóng)民專業(yè)合作社融資難長久制約著農(nóng)民專業(yè)合作社做大做強，嚴重影響了農(nóng)民專業(yè)合作社經(jīng)營規(guī)模的擴大。因此分析研究農(nóng)民專業(yè)合作社的融資現(xiàn)狀及問題，找出融資難的原因，探求解決農(nóng)民專業(yè)合作社融資難有效方法，有利于促進農(nóng)民專業(yè)合作社的健康發(fā)展，進而有利于加快農(nóng)業(yè)現(xiàn)代化的進程。 壽光市農(nóng)民專業(yè)合作社創(chuàng)建于上世紀九十年代，隨著壽光農(nóng)業(yè)經(jīng)濟的飛速增長，壽光農(nóng)民專業(yè)合作社也得到迅猛發(fā)展，到2013年底有農(nóng)民專業(yè)合作社1215家，涉及水果、蔬菜的種植、加工、銷售和畜牧業(yè)養(yǎng)殖等。本文以壽光農(nóng)民專業(yè)合作社融資問題為研究對象，在總結(jié)梳理國內(nèi)外已有研究成果的基礎(chǔ)上，規(guī)劃了研究目的和研究意義、設(shè)計了研究思路、選擇了研究方法，以合作社以及融資理論為指導，通過對壽光市農(nóng)民專業(yè)社融資的現(xiàn)狀進行研究，發(fā)現(xiàn)了壽光市農(nóng)民合作社融資過程由于合作社的規(guī)模較小因此獲取的融資較少；或是由于對農(nóng)民合作社了解不足，使得企業(yè)很難與合作社進行足夠的資金交流；同時政府對農(nóng)民合作社需要的融資提供也不足；最后是農(nóng)民的金融機構(gòu)建設(shè)和服務(wù)不完善，不能提供合作社需要的融資支持等問題。然后根據(jù)對壽光市農(nóng)民專業(yè)合作社的調(diào)研，運用eviews計量模型對影響合作社融資難的問題進行分析，主要從合作社成立年數(shù)、合作社信用等級、第三方擔保、資產(chǎn)抵押、是否有熟人、合作社社長年齡、合作社社長任職年數(shù)、合作社工作人員數(shù)量、資產(chǎn)利潤率等方面進行研究，發(fā)現(xiàn)：合作社成立年數(shù)、合作社信用等級、第三方擔保、資產(chǎn)抵押、與銀行關(guān)系，是否有熟人介紹這6個指標顯著性較好，合作社社長年齡和合作社社長任職年數(shù)2個指標在10%的顯著水平上顯著，顯著性一般，合作社工作人員數(shù)量、資產(chǎn)利潤率這2個指標在20%的顯著水平上顯著性，顯著性差，剩余的指標均不顯著。可以看出，金融機構(gòu)在對合作社發(fā)放貸款時，更多考慮與銀行關(guān)系良好，擁有第三方擔保、資產(chǎn)抵押的合作社，，同時，合作社成立時間較長的，信用記錄優(yōu)良的合作社在獲取金融機構(gòu)貸款方面也具有相當?shù)膬?yōu)勢，這些合作社更容易獲得金融機構(gòu)的貸款。 最后，針對實證結(jié)果及合作社融資本身存在的問題從政府、合作社自身建設(shè)及外部建設(shè)方面提出改善合作社融資難的對策建議。
[Abstract]:As a new rural cooperative economic organization, farmers' professional cooperatives play an important role in the development of agricultural economy in our country. The farmers' professional cooperatives can organize the scattered farmers and adopt democratic management to increase the income of the members as the main purpose, and provide their members with the purchase of production data and the transportation of agricultural products. The sufficient funds of the farmers' professional cooperatives have an important role in promoting the health and rapid development of farmers' professional cooperatives. However, the development of farmers' professional cooperatives is facing a serious shortage of funds, and the difficulty of financing has become the bottleneck of restricting the development of farmers' professional cooperatives. Relevant policies and legal support have been issued, but the financing of farmers' professional cooperatives is difficult to restrict long and strong farmers' professional cooperatives, which seriously affects the expansion of the scale of farmers' professional cooperatives. It is difficult to effectively raise funds for cooperatives, which is conducive to promoting the healthy development of farmers' professional cooperatives and speeding up the process of agricultural modernization.
Shouguang farmers' professional cooperatives were founded in the 90s of last century. With the rapid growth of Shouguang agricultural economy, Shouguang farmers' professional cooperatives also developed rapidly. By the end of 2013, there were 1215 farmers' professional cooperatives, involving fruit, vegetable planting, processing, selling and livestock farming. This article was integrated with Shouguang farmers' professional cooperatives. On the basis of summarizing and sorting out the existing research results at home and abroad, the paper plans the purpose and significance of the research, designs the research ideas, chooses the research method, and chooses the cooperative and financing theory as the guidance, and through the research on the current situation of the farmer's professional society in Shouguang City, finds out the peasant cooperatives in Shouguang City. As a result of the small scale of the cooperative, the process of financing is less, or the lack of understanding of the farmers' cooperatives makes it difficult for the enterprises to carry out sufficient exchange of funds with the cooperatives; at the same time, the government has insufficient financing for the farmers' cooperative needs; finally, the construction and service of the farmers' financial institutions are not perfect and can not be mentioned. According to the investigation of the farmers' professional cooperatives in Shouguang City, the Eviews measurement model is used to analyze the problems that affect the financing difficulties of the cooperatives, mainly from the number of years, the credit rating of the cooperatives, the third party guarantee, the asset mortgage, the age of the co OP, the age of the co-operative president, and the cooperation. The number of members of the society, the number of co-operatives and the rate of asset profit have been studied. It is found that the number of cooperatives, the credit rating of the cooperatives, the third party guarantee, the asset mortgage, the relationship with the banks, whether there are acquaintances to introduce these 6 indicators is better, the age of the co - operative president and the number of the co - operative presidents are 2 indicators 10% significant level, significant, the number of co-operatives, the asset profit rate of the 2 indicators in a significant level of 20%, significant difference, the remaining indicators are not significant. It can be seen that the financial institutions in the loans to cooperatives, more concerned about good relations with the bank, with third party security, asset mortgage At the same time, co-operatives have been established for a long time, and good credit cooperatives have a considerable advantage in obtaining loans from financial institutions. These cooperatives are more likely to get loans from financial institutions.
Finally, in view of the empirical results and the problems that exist in the cooperative financing, the countermeasures and suggestions are put forward to improve the financing difficulties of cooperatives from the government, the self construction of cooperatives and the external construction.
【學位授予單位】：西北農(nóng)林科技大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F321.42;F832.4

【參考文獻】

相關(guān)期刊論文 前3條

1 靳聿軒;王志彬;;農(nóng)地可抵押條件下農(nóng)戶融資方式選擇行為分析[J];廣東農(nóng)業(yè)科學;2012年16期

2 潘淑娟;;農(nóng)村合作金融重構(gòu)路徑分析——基于內(nèi)外部治理關(guān)系解構(gòu)視角[J];學術(shù)界;2007年05期

3 孫春城;;如何處理退社成員與合作社之間財產(chǎn)關(guān)系 《中華人民共和國農(nóng)民專業(yè)合作社法》心得(8)[J];新農(nóng)業(yè);2008年02期

本文編號：1949142