陕西关中地区农民专业合作社贷款影响因素分析

Analysis on Factors Affecting Farmers' Professional Cooperative Loan in Guanzhong Region of Shaanxi Province

为了探明农民专业合作社贷款的影响因素,以陕西省关中地区225份农民专业合作社调查问卷为依据,从资产规模、经营能力、财务规范程度、银社关系、社长因素、外部融资环境等方面选取了影响农民专业合作社获得贷款的11个因素,运用多元回归模型分析并检验了这些因素对陕西农民专业合作社获得贷款的实际影响。结果表明:合作社固定资产规模、合作社经营年限、合作社定期向银行报送会计材料、合作社社长工作经历、政府成立专门的担保机构、政府出台合作社贷款政策文件对陕西农民专业合作社实际获得贷款具有影响。

To explore the factors affecting farmers’ professional cooperative loan,based on 225 professional farmers cooperatives questionnaires in Guanzhong Region,Shaanxi Province,11 indicators, including six aspects of the asset scale,management ability,financial regulation,social relations between cooperative and bank,cooperative president,external financing condition,were chosen as basic factors of influencing cooperative finance and used to analyze using multiple regression model.The results showed that factors affecting farmers’professional cooperative loan included fixed assets scale,operating period, regularly submitting accounting materials,president’s experience,special guarantee agencies and financing policy documents.