本文關鍵詞：滄州市獻縣農民專業(yè)合作社融資問題研究　出處：《河北農業(yè)大學》2015年碩士論文　論文類型：學位論文

  更多相關文章： 獻縣 農民專業(yè)合作社 融資 途徑 制度

【摘要】：獻縣農民專業(yè)合作社的興起和發(fā)展,解決了家庭聯(lián)產(chǎn)承經(jīng)營下農戶分散性經(jīng)營和現(xiàn)代農業(yè)集約化之間的矛盾,減少丫市場競爭給農民帶來的風險,成為推動農業(yè)發(fā)展的一個重要新型主體力量,對推動該縣農業(yè)發(fā)展和提高農民收入起到了重要作用。然而,在其發(fā)展過程中,始終存在融資難問題。特別是近些年來,隨著農民專業(yè)合作社經(jīng)營規(guī)模的擴大和生產(chǎn)成本的上升,對資金的需求越來越大,融資難問題越來越成為阻礙其發(fā)展的最大瓶頸。因此,加強對該縣農民專業(yè)合作社融資問題的研究,提出解決合作社融資難問題的對策,不僅對打破制約獻縣農民專業(yè)合作社發(fā)展的瓶頸,促進其健康發(fā)展,發(fā)展該縣現(xiàn)代農業(yè)具有重要意義,對解決其它地區(qū)農民專業(yè)合作社普遍存在的融資難問題有一定借鑒作用,而且對我國合作社制度和理論發(fā)展與創(chuàng)新,也有一定價值。本文以實地問卷調查與訪問取得的大量資料為依據(jù),運用規(guī)范分析和實證分析相結合的研究方法,對獻縣農民專業(yè)合作社融資問題進行比較系統(tǒng)研究。一是總結和概述了國內外在農民專業(yè)合作社融資問題上研究成果,界定了相關概念,并對合作社理論、融資理論和產(chǎn)權理論進行闡述,構建了本文的理論背景。二是在揭示該縣農民專業(yè)合作社發(fā)展特點基礎上,闡明了該縣農民專業(yè)合作社融資的基本狀況,認為該縣農民專業(yè)合作對資金需求特別是季節(jié)性需求旺,而且缺口大;在不同融資途徑中,通過金融機構貸款是主要途徑,但受到極大限制,融資渠道較窄。三是指出了獻縣農民專業(yè)合作社融資面臨的問題。主耍是合作社內源資金少、金融機構支持不夠、缺乏合適信貸產(chǎn)品和民間借貸融資少、風險大等。四是從農民專業(yè)合作社自身制度、金融環(huán)境和政府支撐三個層面,對造成該縣農民專業(yè)合作社融資難問題的原因進行了比較深入地分析。五是針對這些原因,提出了優(yōu)化獻縣農民專業(yè)合作社融資的建議。包括改革農民專業(yè)合作社的制度、完善農民專業(yè)合作社利益分配機制、完善管理機制提高管理水平、建立有效的金融風險轉移機制、改善農村金融環(huán)境、深化農村信用社改革和創(chuàng)新信貸產(chǎn)品等。本文首次以滄州市獻縣作為研究對象,對該縣農民專業(yè)合作社融資問題進行了多方位的深入調查與研宄,揭示了該縣農民專業(yè)合作社發(fā)展的特點,闡明了該縣農民專業(yè)合作社融資的基本狀況,探討了該縣農民專業(yè)合作社融資存在的問題及其原因,提出了比較適合獻縣實際情況,有針對性的解決對策。
[Abstract]:The rise and development of farmers' specialized cooperatives in Xianxian County has solved the contradiction between the decentralized management of farmers and the intensification of modern agriculture and reduced the risks brought to farmers by market competition. As an important new main force to promote the development of agriculture, it has played an important role in promoting the agricultural development of the county and raising the income of farmers. However, in the process of its development. Especially in recent years, with the expansion of the scale of farmers' professional cooperatives and the rise of production costs, the demand for funds is increasing. Therefore, strengthen the research on the financing problem of farmers' specialized cooperatives in this county, and put forward the countermeasures to solve the financing difficulties of cooperatives. It is of great significance not only to break the bottleneck restricting the development of farmers' professional cooperatives in Xianxian County, but also to promote their healthy development and to develop modern agriculture in this county. It can be used for reference to solve the difficult financing problems of farmers' specialized cooperatives in other regions, and it is also helpful to the development and innovation of cooperative system and theory in our country. This paper is based on a large number of data obtained from the field survey and interviews, and uses the research method of combining normative analysis and empirical analysis. The first is to summarize and summarize the domestic and foreign research results on the financing of farmers' specialized cooperatives, define the relevant concepts, and the theory of cooperatives. The financing theory and property right theory are expounded, and the theoretical background of this paper is constructed. Secondly, on the basis of revealing the characteristics of the development of farmers' specialized cooperatives in this county, the basic state of financing of the county's farmers' professional cooperatives is clarified. It is believed that the farmers' professional cooperation in this county has a great demand for funds, especially seasonal demand, and the gap is large. Among the different financing channels, lending through financial institutions is the main way, but is greatly restricted. Financing channels are narrow. Third, it points out the problems faced by the farmers' specialized cooperatives in Xianxian County. The chief player is the cooperatives with less endogenous funds, insufficient financial support, lack of appropriate credit products and lack of private loan financing. Fourth, from the farmers' professional cooperatives own system, financial environment and government support three levels. In this paper, the causes of the financing difficulties of farmers' specialized cooperatives in this county are analyzed in depth. Fifth, the reasons are aimed at these reasons. The paper puts forward some suggestions to optimize the financing of farmers' specialized cooperatives in Xianxian county, including reforming the system of farmers' professional cooperatives, perfecting the benefit distribution mechanism of farmers' professional cooperatives, and perfecting the management mechanism to improve the management level. Establish an effective financial risk transfer mechanism, improve the rural financial environment, deepen the reform of rural credit cooperatives and innovative credit products. In this paper, the financing problems of farmers' specialized cooperatives in this county are investigated and studied in various directions, and the characteristics of the development of farmers' specialized cooperatives in this county are revealed, and the basic state of financing of farmers' specialized cooperatives in this county is clarified. This paper probes into the problems existing in the financing of farmers' specialized cooperatives in this county and their causes, and puts forward some countermeasures which are more suitable for the actual situation of Xianxian County.
【學位授予單位】：河北農業(yè)大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F321.42;F832.4

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