本文選題：農(nóng)民專業(yè)合作社 + 機(jī)制設(shè)計(jì)�。� 參考：《東北農(nóng)業(yè)大學(xué)》2017年碩士論文

【摘要】：農(nóng)民專業(yè)合作社概念起源于19世紀(jì)的西方,經(jīng)過(guò)漫長(zhǎng)的發(fā)展日趨成熟,我國(guó)已有法律對(duì)其進(jìn)行了概念上和服務(wù)對(duì)象上的定義,現(xiàn)已成為農(nóng)業(yè)新型經(jīng)營(yíng)主體的典型代表,在農(nóng)業(yè)生產(chǎn)中發(fā)揮的作用日益增大。黑龍江省是我國(guó)具有代表性的農(nóng)業(yè)大省,經(jīng)過(guò)近些年的發(fā)展,省內(nèi)農(nóng)民專業(yè)合作社的數(shù)目不斷增多、規(guī)模不斷擴(kuò)大、經(jīng)營(yíng)情況也得到了初步改善,為黑龍江省農(nóng)業(yè)發(fā)展、農(nóng)村繁榮、農(nóng)民增收做出了一定貢獻(xiàn),隨著外部環(huán)境的改善和政策力度的加大,農(nóng)民專業(yè)合作社逐步轉(zhuǎn)向集中生產(chǎn)要素、擴(kuò)大生產(chǎn)規(guī)模的經(jīng)營(yíng)方式,這樣的模式也逐漸成為農(nóng)業(yè)和農(nóng)村改革的趨勢(shì)。然而,合作社在發(fā)展的過(guò)程中也暴露了一些問(wèn)題,其中最為突出的是其融資供需失衡的問(wèn)題。農(nóng)民合作社想要健康、持續(xù)的發(fā)展,就必須有充足的資金作為后盾,然而依靠?jī)?nèi)部籌集和政府扶持所融通到的資金十分有限,不能夠充分滿足其后續(xù)發(fā)展的需求,基于以上情況,研究黑龍江省農(nóng)民專業(yè)合作社融資供需協(xié)調(diào)機(jī)制在實(shí)踐中存在的問(wèn)題和對(duì)策具有實(shí)際意義。本文以客觀事實(shí)為依據(jù),從多角度進(jìn)行分析研究,首先搜集、查閱大量國(guó)內(nèi)外農(nóng)民專業(yè)合作社相關(guān)數(shù)據(jù)資料,簡(jiǎn)要說(shuō)明研究黑龍江省農(nóng)民專業(yè)合作社融資供需協(xié)調(diào)機(jī)制的必要性,以及研究的意義和目的。然后,本文對(duì)農(nóng)民專業(yè)合作社、融資供需協(xié)調(diào)機(jī)制等進(jìn)行了概念界定,同時(shí)介紹了金融抑制與金融深化理論、信息不對(duì)稱理論、企業(yè)生命周期理論和機(jī)制設(shè)計(jì)理論。其次,對(duì)黑龍江省農(nóng)民專業(yè)合作社發(fā)展的現(xiàn)狀和融資供需現(xiàn)狀進(jìn)行全面的、理性的分析。通過(guò)構(gòu)建合作社融資供需機(jī)制的框架來(lái)進(jìn)行探討,分別探究黑龍江省農(nóng)民專業(yè)合作社目前融資供需協(xié)調(diào)機(jī)制中存在的問(wèn)題,研究發(fā)現(xiàn)主要存在缺乏信用擔(dān)保平臺(tái)、農(nóng)業(yè)保險(xiǎn)體系不健全、缺乏完善的征信體系以及民間金融規(guī)范程度不高等問(wèn)題。再者,基于對(duì)農(nóng)民專業(yè)合作社融資供需協(xié)調(diào)機(jī)制現(xiàn)狀和問(wèn)題的分析,進(jìn)行了機(jī)制設(shè)計(jì)理論模型的構(gòu)建和探討,研究整個(gè)合作社融資供需協(xié)調(diào)機(jī)制中各主體的利益和最終的策略選擇,然后探討金融機(jī)構(gòu)的策略選擇、抵押擔(dān)保、農(nóng)業(yè)保險(xiǎn)和農(nóng)村民間金融分別以何種方式影響農(nóng)民合作社融資供需協(xié)調(diào)機(jī)制,結(jié)果表明,金融機(jī)構(gòu)出于風(fēng)險(xiǎn)考慮設(shè)置的貸款條件限制了合作社的融資,當(dāng)引入抵押物和農(nóng)業(yè)保險(xiǎn)變量時(shí),合作社的違約風(fēng)險(xiǎn)以及正規(guī)金融機(jī)構(gòu)的貸款利率在一定程度上能夠得到降低,并且農(nóng)村民間金融能夠拓寬合作社的融資渠道。最后,針對(duì)上述模型得出的結(jié)論,結(jié)合當(dāng)前農(nóng)民專業(yè)合作社融資供需協(xié)調(diào)機(jī)制在階段性實(shí)踐中暴露出的問(wèn)題,從政府層面和供需主體層面兩個(gè)方面來(lái)分別提出完善本省農(nóng)民專業(yè)合作社融資供需協(xié)調(diào)機(jī)制的具體對(duì)策。
[Abstract]:The concept of farmers' professional cooperatives originated in the 19th century in the West. After a long period of development, our country has defined its concept and service object by law, and has become a typical representative of the new agricultural management subject. The role played in agricultural production is increasing day by day. Heilongjiang Province is a representative agricultural province in China. With the development of recent years, the number and scale of farmers' specialized cooperatives in Heilongjiang Province are increasing, the scale is expanding, and the management situation has also been preliminarily improved for the agricultural development of Heilongjiang Province. With the improvement of the external environment and the intensification of the policy, the farmers' specialized cooperatives gradually turned to the management mode of centralizing production factors and expanding the scale of production. This pattern also gradually becomes the trend of agriculture and rural reform. However, cooperatives also exposed some problems in the process of development, the most prominent of which is the imbalance of financing supply and demand. If farmers' cooperatives want to develop healthily and sustainably, they must be backed by adequate funds. However, the amount of funds raised internally and financed through government support is very limited and cannot fully meet their needs for subsequent development. Based on the above situation, it is of practical significance to study the problems and countermeasures of financing supply and demand coordination mechanism in Heilongjiang farmer cooperatives. Based on the objective facts, this paper analyzes and studies from many angles. First of all, it collects and consults a large number of relevant data of farmers' professional cooperatives at home and abroad. This paper briefly describes the necessity, significance and purpose of the study on the coordination mechanism of supply and demand of financing in the farmers' specialized cooperatives in Heilongjiang Province. Then, this paper defines the concept of farmers' professional cooperatives, financing supply and demand coordination mechanism, and introduces the theory of financial repression and financial deepening, information asymmetry theory, enterprise life cycle theory and mechanism design theory. Secondly, the paper makes a comprehensive and rational analysis of the present situation of the development and financing supply and demand of farmers' professional cooperatives in Heilongjiang Province. By constructing the framework of cooperative financing supply and demand mechanism, this paper probes into the problems existing in the current financing supply and demand coordination mechanism of specialized farmers' cooperatives in Heilongjiang Province, and finds that there is mainly a lack of credit guarantee platform. The agricultural insurance system is not perfect, the credit system is not perfect and the non-governmental financial standard is not high. Furthermore, based on the analysis of the current situation and problems of the coordination mechanism of financing supply and demand in farmers' specialized cooperatives, the theoretical model of mechanism design is constructed and discussed. This paper studies the interests and final strategic choices of the main parties in the cooperative financing supply and demand coordination mechanism, and then discusses the strategic choice of financial institutions, mortgage guarantee, How does agricultural insurance and rural private finance affect the coordination mechanism of financing supply and demand of farmers' cooperatives respectively? the results show that the loan conditions set by financial institutions for risk reasons restrict the financing of cooperatives. When the mortgage and agricultural insurance variables are introduced, the cooperative default risk and the loan interest rate of the formal financial institutions can be reduced to a certain extent, and the rural private finance can broaden the cooperative financing channels. Finally, according to the conclusions of the above model, combined with the current farmers' professional cooperative financing supply and demand coordination mechanism in the stage of practice exposed problems, From the government level and the supply and demand main level two aspects separately proposed the consummation farmer specialized cooperative financing supply and demand coordination mechanism concrete countermeasure.
【學(xué)位授予單位】：東北農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F321.42

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 韋克游;;滇桂黔石漠化片區(qū)農(nóng)民專業(yè)合作社信貸融資約束分析及融資平臺(tái)構(gòu)建對(duì)策——基于廣西片區(qū)調(diào)查數(shù)據(jù)[J];南方農(nóng)業(yè)學(xué)報(bào);2016年11期

2 邱立軍;;吉林省農(nóng)民專業(yè)合作社的融資問(wèn)題研究[J];中國(guó)農(nóng)業(yè)資源與區(qū)劃;2016年11期

3 汪東升;;當(dāng)前農(nóng)村融資問(wèn)題及其供需平衡互動(dòng)機(jī)制的法律思考[J];廣東行政學(xué)院學(xué)報(bào);2016年04期

4 程杰鑫;李瑞芬;;北京市昌平區(qū)農(nóng)民專業(yè)合作社融資問(wèn)題及對(duì)策[J];北京農(nóng)學(xué)院學(xué)報(bào);2016年03期

5 楊繼秀;;我國(guó)農(nóng)民專業(yè)合作社存貨質(zhì)押融資運(yùn)作模式研究[J];農(nóng)業(yè)經(jīng)濟(jì);2016年05期

6 秦紅增;韋星光;陸炳N，

本文編號(hào)：2014628