农民专业合作社的融资诉求及其影响因素研究——基于河北、安徽两省问卷调查数据的实证分析  

Farmer Professional Cooperative's Financial Demand and Its Influential Factors——An Empirical Analysis of the Survey Data in Hebei and Anhui Province

作　　者：李润平[1,2] 周灵灵[3] 

机构地区：[1]北京大学博士后科研流动站,北京100871 [2]中国农业银行博士后工作站,北京100005 [3]中央财经大学经济学院,北京100081

出　　处：《经济经纬》2014年第3期20-25,共6页Economic Survey

基　　金：中国博士后科学基金资助项目(2013M530787);国家自然科学基金项目(71201143)

摘　　要：基于河北和安徽两省农民专业合作社的调研数据,笔者运用有序Probit模型,从产品特征、成员特征、经营条件、组织功能等方面剖析影响农民专业合作社资金需求强度和需求期限的因素。结果表明:自有资金丰厚、社长为企业负责人、拥有企业、外部销售渠道稳定的合作社资金需求强度较高;成员人数、成员出资、资产结构、品牌注册和民间借贷对合作社资金需求期限有显著影响;产品特性对资金需求期限影响差异不大。笔者据此提出政府应尽快形成土地流转和土地使用权抵押的相关法律;规范合作社注册登记程序;金融机构则应该调整信贷政策,创新信贷产品和抵押担保模式。Based on the survey data of Hebei and Anhui province, we use ordered Probit model from the aspects of product features, members features, operation conditions, and organizational function to analyze their influence on FPC financial demand intensity and demand periods. The results show that the FPC which owns rich funds, owns a company and has stable sales channels and whose presi- dent is in charge of an enterprise, is concentrated in the higher levels of financial demand intensity. The results also show that factors such as cooperative members, member＇ s contribution, asset structure, brand registration and private lending have significant effects on financial demand period, but product features have insignificant effects on that. Finally, it is proposed that relevant laws on the transfer and the mortgage of rural land-use right should be formed by government as soon as possible, and registration procedures of FPC should be standardized as norm. At the same times, financial institutions should focus on product innovation, mortgage and guarantee innova- tion and credit policy adjustment.

关 键 词：农民专业合作社 资金需求强度 资金需求期限 有序PROBIT模型 

分 类 号：F832[经济管理—金融学] F321