兵团农工合作社融资困境及对策分析——基于扎根理论研究方法  

Research on the Financing Dilemma and Countermeasures of the Corps Agricultural and Industrial Cooperatives——Based on Grounded Theory

作　　者：鲁向哲 王承武[1] LU Xiang-zhe;WANG Cheng-wu(School of Public Administration,Xinjiang Agricultural University,Urumqi,Xinjiang 830052)

机构地区：[1]新疆农业大学公共管理学院,新疆乌鲁木齐830052

出　　处：《安徽农业科学》2022年第18期198-201,205,共5页Journal of Anhui Agricultural Sciences

摘　　要：截至2020年,新疆生产建设兵团农工合作社数量已达2953家。在其发展过程中,融资瓶颈问题已成为制约多数农工合作社健康发展的主要障碍因素。以新疆生产建设兵团第七师为例,在综合考虑农工合作社所属行业类型及其经营模式的基础上,采用扎根理论研究方法,探讨兵团合作社目前所面临的融资困境。结果表明,兵团第七师农工合作社正面临着融资申请难、融资成本高、融资金额少、长期性融资途径有限4种困境。针对兵团农工合作社提出提高自身竞争力,保证社员利益最大化、规范资金用途,不断提升社员素养解困策略;针对银行等金融机构,提出丰富信贷方式,建立健全有效考核机制对策建议;针对政府相关部门,提出完善担保体系建设,加大政策性资金帮扶宣传力度对策建议。As of 2020,the number of agricultural and industrial cooperatives of the Xinjiang Production and Construction Corps has reached 2,953.In the process,financing bottleneck has become the main obstacle to the healthy development of most agricultural and industrial cooperatives.Taking the 7 th Division of Xinjiang Production and Construction Corps as an example,on the basis of comprehensively considering the type of industry and its business model,this paper adopts the root theoretical research method to discuss the financing difficulties faced by the corps cooperatives.The results show that the agricultural and industrial cooperative of the 7 th Division of the XPCC is facing four difficulties in financing application,high financing cost,small financing amount and limited long-term financing channels.With the help of the case,the members to maximize the fund use,and to improve the financial institutions,the paper should enrich the credit methods,establish and improve the effective assessment mechanism,improve the guarantee system and strengthen the policy fund support.

关 键 词：农工合作社 融资困境 扎根理论 案例分析 

分 类 号：F325[经济管理—产业经济] F832.43