發(fā)布時(shí)間：2018-01-02 02:02

  本文關(guān)鍵詞：基于社員正規(guī)融資的農(nóng)民合作社增信研究　出處：《中國(guó)農(nóng)業(yè)大學(xué)》2016年博士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)民合作社 社員 增信 正規(guī)融資 利益聯(lián)結(jié)

【摘要】：農(nóng)民正規(guī)融資困難一直是農(nóng)村金融研究領(lǐng)域探討的熱點(diǎn)問(wèn)題。自實(shí)施農(nóng)業(yè)產(chǎn)業(yè)化政策發(fā)展以來(lái),我國(guó)農(nóng)村不斷涌現(xiàn)出組織化解決農(nóng)民融資約束的創(chuàng)新,特別是實(shí)踐中農(nóng)民合作社這一組織形式逐漸顯現(xiàn)出促進(jìn)農(nóng)民獲得貸款的能力,成為本文展開研究的重要原因。農(nóng)民合作社是農(nóng)業(yè)產(chǎn)業(yè)化發(fā)展下最為重要的組織化形式之一,服務(wù)社員是其主要的功能。本文是對(duì)農(nóng)民合作社從農(nóng)業(yè)產(chǎn)業(yè)化的組織功能到農(nóng)村金融市場(chǎng)的中介功能、從為社員提供經(jīng)濟(jì)服務(wù)到金融服務(wù)的功能延伸探討,拓展了農(nóng)民合作社組織的金融性功能。因此,本研究對(duì)于緩解農(nóng)民正規(guī)融資約束、提高利用農(nóng)民合作社組織的效率、提升農(nóng)民合作社綜合能力具有重要意義。本研究在對(duì)全國(guó)五省(皖、魯、浙、黑、川)123家農(nóng)民合作社和574名社員抽樣實(shí)地調(diào)查的基礎(chǔ)上,探討了農(nóng)民合作社在社員正規(guī)融資活動(dòng)中為社員增信的相關(guān)問(wèn)題。全文主要探討的問(wèn)題分為3個(gè)：(1)為什么農(nóng)民合作社能夠增信?(2)農(nóng)民合作社怎樣為社員增信?(3)如何提升農(nóng)民合作社的增信水平?通過(guò)理論分析,本文闡釋了農(nóng)民合作社增信的機(jī)制,一是在社員獲貸前成為融資信息的傳遞者,減輕金融機(jī)構(gòu)與社員間的信息不對(duì)稱、降低交易成本；二是在社員獲貸后作為履約的監(jiān)督者,利用聲譽(yù)機(jī)制和關(guān)聯(lián)交易對(duì)其形成有效制約,降低金融機(jī)構(gòu)對(duì)交易不確定性的預(yù)期。通過(guò)歸納分析實(shí)踐中的增信運(yùn)作模式,本文對(duì)農(nóng)民合作社怎樣為社員增信進(jìn)行了解構(gòu)與探討。按照是否承擔(dān)還款連帶責(zé)任,增信運(yùn)作模式可分為三類：轉(zhuǎn)貸模式、承擔(dān)社員借貸還款連帶責(zé)任模式、不承擔(dān)社員借貸還款連帶責(zé)任模式。分析發(fā)現(xiàn),農(nóng)民合作社增信存在差異,主要與利益聯(lián)結(jié)機(jī)制設(shè)計(jì)有關(guān)。利益聯(lián)結(jié)機(jī)制不同,農(nóng)民合作社的增信能力不同：社員與合作社緊密的利益聯(lián)結(jié)更加有利于社員正規(guī)融資的獲得。本文在對(duì)農(nóng)民合作社增信能力評(píng)估量化、增信效果現(xiàn)實(shí)檢驗(yàn)的實(shí)證研究基礎(chǔ)上,探討了如何提升農(nóng)民合作社增信水平。在實(shí)證研究步驟上,本文首先構(gòu)建了農(nóng)民合作社增信能力的指標(biāo)體系,運(yùn)用結(jié)構(gòu)方程模型的二階因子分析對(duì)樣本農(nóng)民合作社的增信影響力進(jìn)行估值；接著運(yùn)用結(jié)構(gòu)方程模型的路徑分析構(gòu)建了社員正規(guī)融資模型,并將農(nóng)民合作社增信的影響引入該模型中,完成對(duì)增信效果的現(xiàn)實(shí)檢驗(yàn)。結(jié)果發(fā)現(xiàn),實(shí)踐中農(nóng)民合作社增信已經(jīng)對(duì)社員正規(guī)融資的獲得發(fā)揮了促進(jìn)作用；但在成員結(jié)構(gòu)異質(zhì)的發(fā)展下,增信的促進(jìn)作用對(duì)理事長(zhǎng)與核心社員的效果更為明顯。為此,本研究提出構(gòu)建緊密的利益聯(lián)結(jié)機(jī)制以強(qiáng)化農(nóng)民合作社增信的建議。
[Abstract]:The formal financing difficulties has been a hot issue in research field of rural finance. Since the implementation of the policy of agricultural industrialization development, China's rural areas continue to emerge out of organization innovation to solve the financing constraints, especially in the practice of farmer cooperative organization form that gradually promote the ability of farmers to obtain loans, become an important reason for study this is the farmers' cooperatives. The development of agricultural industrialization under one of the most important forms of organization, service members are the main functions of farmer cooperatives. This article is from the intermediary function of agricultural industrialization organization function to the rural financial market, extending from the economy to provide a service to financial services for members of the function to expand the farmer cooperative organization's financial function. Therefore, the research for the mitigation of farmers' formal financing constraints, improve the utilization of farmer cooperative organization Efficiency is of great significance to enhance farmers' cooperatives comprehensive ability. This research is based on the national five provinces (Anhui, Zhejiang, Shandong, black, Sichuan) based 123 farmer cooperatives and 574 members of sampling investigation, discusses the farmer cooperatives in the regular members in financing activities for members to increase trust related issues. This thesis mainly discusses the problem is divided into 3 parts: (1) why farmers cooperatives can increase trust? (2) how to increase farmers' cooperatives members? (3) how to improve the credit level of farmer cooperatives? Through theoretical analysis, this paper explains the mechanism of farmer cooperatives will become a transfer, is financing information in the loan before the members and to reduce the information asymmetry between the members and financial institutions, reduce the transaction cost; two is on loan after the performance of members as supervisor, by reputation mechanism and related transactions to the formation of effective control, reduce the financial institutions to trade The expected uncertainty. Through the credit operation mode analysis in the practice of deconstruction and discussed in this paper how members credit cooperatives for farmers. According to whether to bear the repayment liability, credit operation mode can be divided into three categories: lending model, assume joint liability lending members payment mode, do not assume joint liability loan repayment members model analysis showed that farmers cooperatives credit are different, and the main benefit mechanism design. The profit mechanism, farmers cooperatives credit ability of different interests: the connecting member and cooperation more closely in favor of members of formal financing. Based on the quantitative evaluation of farmers' cooperatives credit capacity, an empirical study by letter effect reality check on the basis, discusses how to improve farmers' cooperatives credit level. In the empirical research steps, this paper constructs the agricultural The index system of credit cooperative ability, two second-order factors using structural equation model analysis of the valuation of the sample farmers cooperatives Trust influence; path analysis and structural equation modeling is used to construct the membership of formal financing model, and will affect the improvement of farmer cooperatives is introduced in the model, complete the reality check on the improvement effect. Results in practice, farmers' cooperatives credit has played a role in promoting access to members of formal financing; but in the development of members of the heterogeneous structure, the effect of further promoting effect on the director and the core members of the more obvious. Therefore, the construction of the benefit mechanism closely to strengthen farmers' cooperatives credit advice in this study.

【學(xué)位授予單位】：中國(guó)農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2016
【分類號(hào)】：F321.42
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本文編號(hào)：1367160