摘要
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.
出处
《四川师范大学学报(社会科学版)》
CSSCI
北大核心
2017年第3期62-69,共8页
Journal of Sichuan Normal University(Social Sciences Edition)
基金
国家社会科学基金后期资助项目"我国农村公共产品治理理论与模式研究"(15FJY015)
国家统计局统计信息技术与数据挖掘重点开放实验室2016年开放课题项目"西部农村贫困动态统计监测分析"(SDL201605)
关键词
家庭农场
金融需求
信贷融资
农业保险
农村金融
family farm
financial demands
credit financing
agricultural insurance
rural finance