發(fā)布時間：2018-06-13 16:20

  本文選題：農(nóng)民專業(yè)合作社 + 機制設計��； 參考：《東北農(nóng)業(yè)大學》2017年碩士論文

【摘要】：農(nóng)民專業(yè)合作社概念起源于19世紀的西方,經(jīng)過漫長的發(fā)展日趨成熟,我國已有法律對其進行了概念上和服務對象上的定義,現(xiàn)已成為農(nóng)業(yè)新型經(jīng)營主體的典型代表,在農(nóng)業(yè)生產(chǎn)中發(fā)揮的作用日益增大。黑龍江省是我國具有代表性的農(nóng)業(yè)大省,經(jīng)過近些年的發(fā)展,省內(nèi)農(nóng)民專業(yè)合作社的數(shù)目不斷增多、規(guī)模不斷擴大、經(jīng)營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,隨著外部環(huán)境的改善和政策力度的加大,農(nóng)民專業(yè)合作社逐步轉向集中生產(chǎn)要素、擴大生產(chǎn)規(guī)模的經(jīng)營方式,這樣的模式也逐漸成為農(nóng)業(yè)和農(nóng)村改革的趨勢。然而,合作社在發(fā)展的過程中也暴露了一些問題,其中最為突出的是其融資供需失衡的問題。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,然而依靠內(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)調機制在實踐中存在的問題和對策具有實際意義。本文以客觀事實為依據(jù),從多角度進行分析研究,首先搜集、查閱大量國內(nèi)外農(nóng)民專業(yè)合作社相關數(shù)據(jù)資料,簡要說明研究黑龍江省農(nóng)民專業(yè)合作社融資供需協(xié)調機制的必要性,以及研究的意義和目的。然后,本文對農(nóng)民專業(yè)合作社、融資供需協(xié)調機制等進行了概念界定,同時介紹了金融抑制與金融深化理論、信息不對稱理論、企業(yè)生命周期理論和機制設計理論。其次,對黑龍江省農(nóng)民專業(yè)合作社發(fā)展的現(xiàn)狀和融資供需現(xiàn)狀進行全面的、理性的分析。通過構建合作社融資供需機制的框架來進行探討,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)調機制中存在的問題,研究發(fā)現(xiàn)主要存在缺乏信用擔保平臺、農(nóng)業(yè)保險體系不健全、缺乏完善的征信體系以及民間金融規(guī)范程度不高等問題。再者,基于對農(nóng)民專業(yè)合作社融資供需協(xié)調機制現(xiàn)狀和問題的分析,進行了機制設計理論模型的構建和探討,研究整個合作社融資供需協(xié)調機制中各主體的利益和最終的策略選擇,然后探討金融機構的策略選擇、抵押擔保、農(nóng)業(yè)保險和農(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)調機制,結果表明,金融機構出于風險考慮設置的貸款條件限制了合作社的融資,當引入抵押物和農(nóng)業(yè)保險變量時,合作社的違約風險以及正規(guī)金融機構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,針對上述模型得出的結論,結合當前農(nóng)民專業(yè)合作社融資供需協(xié)調機制在階段性實踐中暴露出的問題,從政府層面和供需主體層面兩個方面來分別提出完善本省農(nóng)民專業(yè)合作社融資供需協(xié)調機制的具體對策。
[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.
【學位授予單位】：東北農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F321.42

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本文編號：2014628