本文選題：農(nóng)戶 + 生物資產(chǎn)��； 參考：《西北農(nóng)林科技大學(xué)》2014年碩士論文

【摘要】：生物資產(chǎn)抵押融資是以生物資產(chǎn)作為抵押品進(jìn)行融資的新型抵押方式，為解決農(nóng)戶的融資難題提供了新的出路。本文主要選取陜西眉縣和楊凌作為代表地區(qū)進(jìn)行數(shù)據(jù)收集，用實(shí)證的方法研究農(nóng)戶生物資產(chǎn)抵押融資意愿的影響因素。 文章主要分為六大部分。第一部分為導(dǎo)論。主要介紹論文的選題背景、研究目的意義、國內(nèi)外研究動(dòng)態(tài)、研究思路、研究方法及文章可能的創(chuàng)新之處。第二部分為文章的理論基礎(chǔ)。包括生物資產(chǎn)、抵押理論及農(nóng)戶行為理論，為研究農(nóng)戶生物資產(chǎn)抵押融資意愿奠定理論基礎(chǔ)。第三部分分析農(nóng)戶生物資產(chǎn)抵押融資運(yùn)行模式及存在問題。第四部分對(duì)樣本選取、變量選擇進(jìn)行說明�；趯�(shí)地調(diào)查數(shù)據(jù)，從調(diào)查樣本自身情況及變量對(duì)農(nóng)戶生物資產(chǎn)抵押融資意愿的影響兩方面對(duì)調(diào)查結(jié)果進(jìn)行描述性分析。第五部分農(nóng)戶生物資產(chǎn)抵押融資意愿影響因素實(shí)證分析。運(yùn)用Logistic模型尋找影響農(nóng)戶抵押融資意愿的主要因素，，進(jìn)而通過ISM模型對(duì)影響顯著的因素進(jìn)行層次性分析并對(duì)結(jié)果進(jìn)行分析說明。第六部分結(jié)論與建議。通過上面幾部分的分析得出文章結(jié)論,針對(duì)農(nóng)戶生物資產(chǎn)抵押融資現(xiàn)狀，農(nóng)戶抵押融資意的影響因素，提出促進(jìn)農(nóng)戶生物資產(chǎn)抵押融資發(fā)展的對(duì)策建議。 文章主要結(jié)論：（1）農(nóng)戶生物資產(chǎn)抵押融資存在國家政策、法律不完備，金融機(jī)構(gòu)創(chuàng)新不足缺乏應(yīng)對(duì)能力，農(nóng)民缺乏專業(yè)知識(shí)技能，相關(guān)服務(wù)體系不健全等問題。（2）農(nóng)戶生物資產(chǎn)抵押融資意愿較高,67.35%的農(nóng)戶在對(duì)政策有了一定了解的基礎(chǔ)上明確表示愿意參與抵押融資，并有64.21%的農(nóng)戶認(rèn)為其是一項(xiàng)有意義的政策，能夠在一定程度上解決其抵押品缺乏的現(xiàn)狀。（3）農(nóng)戶年齡、家庭勞動(dòng)力人數(shù)、貸款經(jīng)歷、耕地面積、生物資產(chǎn)價(jià)值、生物資產(chǎn)抵押品銷售難易程度、政策認(rèn)知、抵押率合適程度認(rèn)知、抵押融資意義認(rèn)知對(duì)于農(nóng)戶參與生物資產(chǎn)抵押融資的意愿有顯著影響。（4）顯著影響農(nóng)戶生物資產(chǎn)抵押融資意愿的9個(gè)因素具有一定的層次性。其中，家庭耕地面積處于最底層，是最基礎(chǔ)根源的影響因素；年齡、家庭勞動(dòng)力數(shù)量及生物資產(chǎn)價(jià)值是次基礎(chǔ)影響因素；貸款經(jīng)歷、生物資產(chǎn)抵押品銷售難易程度以及抵押率合適程度是中層影響因素；抵押政策認(rèn)知及生物資產(chǎn)抵押融資意義認(rèn)知是表層直接影響因素。 為了進(jìn)一步促進(jìn)生物資產(chǎn)抵押融資業(yè)務(wù)發(fā)展及推廣，文章建議：（1）完善政策法律，使生物資產(chǎn)抵押融資有法可依。（2）鼓勵(lì)大膽創(chuàng)新，提高金融機(jī)構(gòu)應(yīng)對(duì)能力。（3）加強(qiáng)社會(huì)服務(wù)體系建設(shè)，促進(jìn)生物資產(chǎn)抵押融資發(fā)展。（4）促進(jìn)農(nóng)地的適度規(guī)�；�(jīng)營，發(fā)展新型生產(chǎn)經(jīng)營主體。（5）加宣傳教育，促進(jìn)農(nóng)村金融市場信息對(duì)稱性。
[Abstract]:Mortgage financing of biological assets is a new way of financing with biological assets as collateral, which provides a new way to solve the financing problem of farmers. This paper mainly selects Mei County and Yang Ling as representative areas to collect data and use empirical method to study the influencing factors of farmers' willingness to mortgage financing biological assets. The article is divided into six parts. The first part is an introduction. This paper mainly introduces the background, the significance of the research purpose, the research trends, the research ideas, the research methods and the possible innovations of the paper. The second part is the theoretical basis of the article. It includes biological assets, mortgage theory and farmers' behavior theory, which lays a theoretical foundation for the study of farmers' willingness to finance biological assets. The third part analyzes the operation mode and existing problems of farmers' biological assets mortgage financing. The fourth part describes the sample selection and variable selection. Based on the field survey data, this paper makes a descriptive analysis of the survey results from two aspects: the survey sample itself and the influence of variables on farmers' willingness to mortgage financing biological assets. The fifth part is an empirical analysis on the influencing factors of farmers' willingness to finance biological assets. The logistic model is used to find out the main factors that influence farmers' willingness to mortgage financing, and then the significant factors are analyzed by ISM model and the results are analyzed and explained. Part VI: conclusions and recommendations. Through the analysis of the above several parts, the paper draws a conclusion, aiming at the current situation of farmers' biological assets mortgage financing and the influencing factors of farmers' mortgage financing meaning, puts forward the countermeasures and suggestions to promote the development of farmers' biological assets mortgage financing. The main conclusions of the paper are as follows: (1) Farmers' biological assets mortgage financing is subject to national policies, incomplete laws, insufficient innovation of financial institutions, and lack of specialized knowledge and skills. (2) 67.35% of the farmers have a certain understanding of the policy, and 64.21% of the farmers think it is a meaningful policy, and 67.35% of the farmers have a certain understanding of the policy, and 64.21% of the farmers think it is a meaningful policy, and 64.21% of the farmers think it is a meaningful policy, and 64.21% of the farmers think that it is a meaningful policy. (3) the age of farmers, the number of family labor, loan experience, cultivated land area, biological asset value, the degree of difficulty in the sale of biological assets collateral, policy awareness, The cognition of the appropriate degree of mortgage rate and the meaning of mortgage financing have significant influence on the willingness of farmers to participate in the mortgage financing of biological assets. (4) the nine factors that significantly affect the willingness of farmers to mortgage finance of biological assets have a certain hierarchy. Among them, the area of family cultivated land is at the bottom, which is the most basic influencing factor; age, the number of family labor force and the value of biological assets are the sub-basic factors; the loan experience, The degree of difficulty in the sale of biological assets collateral and the appropriate degree of mortgage rate are the middle influencing factors, while the cognition of mortgage policy and the meaning of mortgage financing of biological assets are the direct influence factors on the surface layer. In order to further promote the development and promotion of bio-asset mortgage financing business, the paper suggests: (1) perfecting the policy and law to make the bio-asset mortgage financing have a legal basis; (2) encouraging bold innovation, (3) strengthening the construction of social service system, promoting the development of mortgage financing of biological assets, (4) promoting the moderate scale operation of agricultural land, developing new production and management subjects, (5) increasing publicity and education, and (3) strengthening the construction of social service system and promoting the development of mortgage financing of biological assets. Promote information symmetry in rural financial markets.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.43;F224

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