本文選題：農戶 + 生物資產��； 參考：《西北農林科技大學》2014年碩士論文

【摘要】：生物資產抵押融資是以生物資產作為抵押品進行融資的新型抵押方式，為解決農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)進行數據收集，用實證的方法研究農戶生物資產抵押融資意愿的影響因素。 文章主要分為六大部分。第一部分為導論。主要介紹論文的選題背景、研究目的意義、國內外研究動態(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。包括生物資產、抵押理論及農戶行為理論，為研究農戶生物資產抵押融資意愿奠定理論基礎。第三部分分析農戶生物資產抵押融資運行模式及存在問題。第四部分對樣本選取、變量選擇進行說明�；趯嵉卣{查數據，從調查樣本自身情況及變量對農戶生物資產抵押融資意愿的影響兩方面對調查結果進行描述性分析。第五部分農戶生物資產抵押融資意愿影響因素實證分析。運用Logistic模型尋找影響農戶抵押融資意愿的主要因素，，進而通過ISM模型對影響顯著的因素進行層次性分析并對結果進行分析說明。第六部分結論與建議。通過上面幾部分的分析得出文章結論,針對農戶生物資產抵押融資現狀，農戶抵押融資意的影響因素，提出促進農戶生物資產抵押融資發(fā)展的對策建議。 文章主要結論：（1）農戶生物資產抵押融資存在國家政策、法律不完備，金融機構創(chuàng)新不足缺乏應對能力，農民缺乏專業(yè)知識技能，相關服務體系不健全等問題。（2）農戶生物資產抵押融資意愿較高,67.35%的農戶在對政策有了一定了解的基礎上明確表示愿意參與抵押融資，并有64.21%的農戶認為其是一項有意義的政策，能夠在一定程度上解決其抵押品缺乏的現狀。（3）農戶年齡、家庭勞動力人數、貸款經歷、耕地面積、生物資產價值、生物資產抵押品銷售難易程度、政策認知、抵押率合適程度認知、抵押融資意義認知對于農戶參與生物資產抵押融資的意愿有顯著影響。（4）顯著影響農戶生物資產抵押融資意愿的9個因素具有一定的層次性。其中，家庭耕地面積處于最底層，是最基礎根源的影響因素；年齡、家庭勞動力數量及生物資產價值是次基礎影響因素；貸款經歷、生物資產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；抵押政策認知及生物資產抵押融資意義認知是表層直接影響因素。 為了進一步促進生物資產抵押融資業(yè)務發(fā)展及推廣，文章建議：（1）完善政策法律，使生物資產抵押融資有法可依。（2）鼓勵大膽創(chuàng)新，提高金融機構應對能力。（3）加強社會服務體系建設，促進生物資產抵押融資發(fā)展。（4）促進農地的適度規(guī)�；洜I，發(fā)展新型生產經營主體。（5）加宣傳教育，促進農村金融市場信息對稱性。
[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.
【學位授予單位】：西北農林科技大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.43;F224

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