农民专业合作社融资渠道影响因素研究——以福建省调查数据为例

Factors Influencing Financing Channels of Professional Farmers' Cooperatives: Based on Survey Data in Fujian Province

我国农民专业合作社在发展现代农业上发挥了重要作用,但是仍处于起步发展阶段,面临着资金短缺的问题。农民专业合作社融资渠道可分内部与外部融资渠道,内部融资渠道主要有社员入股、社员捐资等形式,外部融资渠道主要有银行或信用社的正规金融体系与亲友借贷、民间金融组织的非正规金融体系等形式。构建合作社融资渠道变量因素,基于福建省农民专业合作社实地调研数据,通过回归统计分析,对农民专业合作社融资渠道影响因素进行阐述,并提出完善农民专业合作社融资渠道建设的建议。

Professional farmers＇ cooperatives, which have played an important role in developing modern agriculture in China, are in the initial stage of development in our country, and shortage of funds is one of the challenges that they are confronted with.The financing channels of professional farmers＇ cooperative can be divided into internal and external system, the former mainly composed of member＇ s contribution, members buying shares and other forms in internal financing channels, and the latter mainly consists in the formal financial system including banks or credit cooperatives, and the informal financial system including the borrowing and lending between friends and relatives, private financial organizations and so on. Variable factors of cooperative financing channels were constructed through field investigations carried out on the professional farmers＇ cooperatives in Fujian Province ,research was conducted on factors influencing the financing channels of professional farmers＇ cooperatives through regression statistical analysis, and suggestions were put forward to perfect the development of financing channels for professional farmers＇ cooperatives.