农机购置补贴信贷约束因素研究

Study on credit restrictive factors of subsidy for purchasing agricultural machine

利用对江苏省农机购置补贴信贷融资情况的调研数据,运用Logistic模型验证分析农机合作社的信贷融资渠道的选择及其约束因素。分析表明,在农机购置补贴中农机合作社的信贷约束特征明显。在合作社自身因素中,合作社资产规模、机具台套、基础设施面积,与信贷约束程度呈反向关系;在补贴机具购置特征中,补贴机械型号大小、信贷资金来源、服务面积及平均年收入,受信贷约束的程度较大。因此,建议放宽准入条件,探索财政政策性担保方式,开发农机购置补贴收益权质押贷款等新型金融产品,加大对新型农业经营主体的金融支持,解决小型机具的信贷融资难题,推动农业机械化向纵深发展。

Data ofsubsidy and credit for purchasing agricultural machine in Jiangsu Province was investigated and verified by Logistic model,thus the channel of credit and financing was chosen and the restrictive factors were analyzed.The characteristics of restrictive factors were significant.Size of assets,quantity of equipment,area of infrastructure has an inverse relationship with the degree of credit constrain;equipment model,lending resources,serving area and average annual incomes are greatly limited by credit.Therefore,the access conditions should be relaxed;a new guarantee mode by fiscal policies should be explored;some new type financial products like hypothecate loan of usufruct from subsidy for purchasing agricultural machine should be developed;financial support for new type agricultural business dealers should be strengthen,so as to solve the credit and financing difficulties of small equipments,and then promote the further development of agricultural mechanization.