新型农业经营主体与农业产业链融资创新——以北芹蔬菜合作社为例  

Innovation on New Type Agriculture Business Entities and Agricultural Industry Chain Financing: Taking Vegetable Cooperatives in Beiqin as an Example

作　　者：张雷 许黎莉[2] 陈东平 

机构地区：[1]南京农业大学金融学院,江苏南京210095 [2]内蒙古农业大学经济管理学院,内蒙古呼和浩特010010

出　　处：《金融理论与实践》2017年第12期53-57,共5页Financial Theory and Practice

基　　金：2016年度国家自然科学基金项目"合作社内农户信用合作契约达成及治理结构选择"(71673138);2012年度国家自然科学基金项目"农民资金互助组织演化过程中风险累积的识别与抑制研究"(71273138);2017年度农业部软科学项目"适度规模经营与现代农业建设协同推进研究"(D201742)

摘　　要：农业产业链融资创新是缓解新型农业经营主体融资困境有益的尝试。以北芹蔬菜专业合作社开展的"银行+合作社+农户"农业产业链融资模式为研究对象,基于道德风险理论和金融联结理论分析发现:合作社能够以较低成本抑制社员道德风险、提高社员偿还贷款能力、获得监督激励以及地方农商行在该模式下涉农贷款违约降低等因素,是"银行+合作社+农户"农业产业链融资模式创新能够有效实行的前提条件。对此,政府部门应该给予农业产业链融资创新一定的制度环境和政策激励。Innovation of Agricultural Industry Chain Financing is an Attempt to Relieve the Financing Difficulty of New Type Agriculture Business Entities. Based on the theory of moral hazard and the theory of financial connection, this paper analyzes that the cooperative society can suppress the moral hazard of the members at a lower cost and improve the cooperative risk of the cooperatives in the cooperative mode of bank + cooperatives + farmers. It is a prerequisite for the effective implementation of the financing mode of bank+cooperatives+farmers in the agricultural industry chain, which is the ability of the cooperatives to repay the loan ability, the co-operatives can obtain the supervision and encouragement and the reduction of the agricultural loan default rate. In this regard, this paper argues that government departments should give the agricultural industry chain financing innovation system environment and policy incentives.

关 键 词：新型农业经营主体 金融联结 道德风险 银行+合作社+农户 

分 类 号：F830.58[经济管理—金融学]