农民专业合作社对农户融资可获得性的影响

Influence of Farmer Professional Cooperative on Financing Availability for Farmers

农户融资难一直是农村经济发展的最大阻碍,而农民专业合作社作为重要的新型农业经营主体,能对社员融资意愿的实现提供一定的帮助。通过有序多元Logit模型,对农户加入农民专业合作社后贷款可得性的影响因素进行了分析.结果表明,农户是否加入农民专业合作社和是否接受融资服务对农户的贷款可得性有显著的正向影响.除此之外,农户的受教育程度、所经营的土地面积、收入情况和是否有亲戚朋友在金融机构工作也对农户贷款可得性产生正向影响,而农户的资金缺口和期望的融资期限则产生负向影响.建议通过鼓励农户加入农民专业合作社,促进农村土地流转,大力推动农业保险,鼓励金融信贷业务创新等措施,来提高农户融资的可获得性.

Difficulties in financing for farmers have always been the biggest obstacle to the development of rural economy.As a major new agricultural management entity,farmer professional cooperative can provide financing help to for farmers.This paper analyzes the factors influencing loan availability for farmers after they join in farmer professional cooperatives through the ordered multivariate Logit model.The results show that whether farmers join in the farmer professional cooperatives and whether they receive financing services have significant positive impact on the availability of loans.In addition,their education level,the area of the land they operate,their income situation and whether they have relatives and friends in financial institutions also have positive impact on the availability of loans.On the other hand,the funding gap and their expected financing period have negative impact on the availability of loans.Hereby,it is recommended that farmers should be encouraged to join in the farmer professional cooperatives,the circulation of agricultural land the development of agricultural insurance should be promoted,and financial credit innovation should be stimulated so that the availability of financing for farmers can be improved.