农户金融合作行为及其影响因素研究

Research on Farmers' Financial Cooperation Behaviors and its Effective Factors

本文以浙江省农户为研究对象,通过实地调查获得相关数据,在统计分析和计量模型等实证分析的基础上,研究农户金融合作行为及其影响因素,为下一步农村信用社产权制度改革提供理论依据。研究表明,从总体来讲,影响农户金融合作行为的因素很复杂;尽管农户对农村信用社的认同感比较高,但是入股意愿并不强;农户对这次农村信用社产权制度改革是比较满意的,农户偏好的产权制度是股份制和股份合作制。因此,要按照农户金融合作行为来安排农村信用社产权制度,建立真正属于农民自己的农村金融机构。

The correlative data was summarized based on the field survey of farmers in Zhejiang Province. This article focuses on strict statistical and model analysis, analyzes some effective factors on farmer behaviors in financial cooperation and provides a theoretical basis for the property right reform of rural credit cooperative system. The conclusions are as follows; generally speaking, the factors of farmers co-operation in finance are complex; farmers have no quite strong wills to take shares even if they have strong sense of i-dentity on rural credit cooperatives; farmers are satisfied with the reform and prefer to Joint-stock and Joint-stock cooperative system. Accordingly, property right system of rural credit cooperative would be arranged according to fanner behaviors in financial cooperation so as to ensure the true respect and adaptability to the public wills, and rural financial institutions belonging to farmers themselves actually.