摘要
农民专业合作社融资难问题已成为制约其健康发展的重要因素。通过在陕西关中地区调研获取的84个合作社样本资料,在综合选择社长条件、合作社自身条件、贷款方面、社员情况、银社关系以及合作社外部融资环境等6个方面19个具体指标的基础上,运用多元线性回归模型,对农民专业合作社贷款规模的影响因素进行了实证分析。结果表明:社长条件、贷款期限、贷款用途以及信贷担保机构的存在均对农民专业合作社贷款规模具有显著的正效应,地方行政领导的参与对于实现合作社贷款具有一定的积极作用。从加强合作社社长的教育培训、成立合作社贷款担保机构、建设贷款平台和强化合作社自身建设等方面提出了对策建议。
It is difficult for Farmer's Professional Cooperative(FPC)to get loan,which now has restrained the healthy development of FPC.Based on 84FPC samples collected by field survey from Guanzhong area in Shaanxi province,19detailed influencing factors in 6aspects including cooperative's leader,cooperative itself,loan condition,cooperative members,the relationship between cooperative and financial institutions,and external financial environment were chosen as independent variables to analyze the effects of each variable on cooperative's loan scale.The effect of each factor on cooperative's loan scale was analyzed by using the multivariable linear regression model.The result shows that,the cooperative's leader,the loan term,loan purpose and loan guarantee institution all have a significant positive effect on cooperative's loan scale.Meanwhile,the local administration leader's participation into the cooperative loan has a positive effect on achieving the cooperative purpose of acquiring a loan.Finally,this paper put forward some suggestions,such as strengthening the training of cooperative leader,establishing the cooperative loan guarantee organs,improving financing conditions and intensifying the cooperative ability itself.
出处
《华中农业大学学报（社会科学版）》
CSSCI
2014年第3期69-74,共6页
Journal of Huazhong Agricultural University(Social Sciences Edition)
基金
国家自然科学基金项目"基于农户收入和社会资本异质性双重视角的村社区小型水利设施合作供给研究-以陕西省为例"(71173174)
2013年度教育部人文社会科学研究规划基金项目"基于粮食安全视角下我国新型耕地保护利益补偿模式的构建及其运行机制研究"(13YJA630141)
陕西省社会科学界联合会2013年重大理论与现实问题研究项目"陕西农村宅基地退出补偿标准研究"(2013Z031)
2012年度陕西省社科基金项目"基于农户分层视角的陕西农村宅基地退出补偿机制研究"(12D253)
西北农林科技大学2011年第二批基本科研业务费科技创新专项一般项目"西部地区农民专业合作社融资模式及其运行机制研究"(QN2011166)
关键词
农民专业合作社
贷款规模
银社关系
贷款环境
农村金融
FPC
loan scale
relationship between cooperative and financing organs
financing envi-ronment
rural finance
