家庭农场信贷可获性影响研究——基于江苏宜兴与睢宁家庭农场的调查

Research on Impacts of Credit Availability of Family Farms——Based on Yixing and Suining in Jiangsu Province

通过对江苏宜兴与睢宁家庭农场的实地抽样调查,运用Logistic模型实证分析影响家庭农场信贷可获性的因素。研究结果表明,家庭农场的外部融资渠道多局限于农村商业银行,国有商业银行及其他股份制商业银行支持很少,部分刚起步家庭农场因不具备金融机构要求的抵押或担保贷款条件难以获得贷款。实证分析发现,家庭农场是否有抵押或他人担保是影响其信贷可获得性的主要因素,农场主年龄、家庭农场主要农产品价格稳定性、家庭农场平均年利润对贷款可获得性影响显著。据此,建议农村金融机构适当调整经营策略和市场定位,创新针对"三农"的金融产品;同时,家庭农场应健全内部管理,提高信贷可获得性。

Taking the family farms of Yixing and Suining as the research objects, this study used the Logistic model and conducted the empirical analysis on the factors affecting availability of loan to family farms. Research showed that family farms＇ extemal channels of financing were limited to rural commercial banks, state-owned banks and other commercial banks gave few supports, part of the starting family farms could not meet mortgage or guarantee loan terms required by the financial institutions. The empirical analysis proved that mortgage or guarantee had significant effects on the availability of loan to family farms. What＇s more, the availability of loan to family farms were associated with the farmers＇ own features, family farms＇ management characteristics and family farms＇ loan conditions too. Based on the research, this paper suggested that rural financial institutions should adjust their business strategy and market position, and innovating financial products. At the same time, family farms should improve their internal management to increase credit availability.