我国家庭农场金融需求的影响因素分析——基于3市424个家庭农场的入户调查

Influential Factors of Family Farm Financial Demands:Based on a Survey on 424 Households from Three Regions in China

近年来,在各级政府的大力推动下,我国家庭农场这一新型经营形式得到了快速发展,其金融需求问题也开始得到广泛关注。基于对浙江宁波、湖北武汉、四川成都三个地区424个家庭农场的入户调查,笔者从融资需求和保险需求两个方面对家庭农场金融需求的影响因素进行了分析。研究表明:农场主文化程度、社会关系、农场收入水平、资金来源结构、金融业务使用情况(贷款经历和对贷款的了解程度)以及未来扩张打算对家庭农场的融资需求有显著影响,而农场主文化程度、社会关系、地区因素以及保险业务使用情况(农业保险使用经历)对家庭农场的农业保险需求有显著影响。

Family farm, a new operation model in China;s rural areas, develops rapidly in recent years and Its financial demand has acquired widespread concerns. Based on a survey on 424 households from three regions, i.e., Ningbo, Wuhan and Chengdu, this paper analyzes influential factors of family farm＇s financial demand, including financing demand and insurance demand. Researches show that： the farmer＇s educational level and social relationship, the farm＇s income level, capital structure, uses of financial service （experience of loaning and understanding level of loans） as well as further expansion plan have significant effects on financial demands, while the farmer＇s educational level and social relationship, uses of agricultural insurance （experience of consuming agricultural insurances） as well as locations, have significant effects on agricultural insurance demand.