新型农业经营主体融资影响因素分析

Analysis on the Factors Affecting Financing of New Type of Agricultural Management

作为新型农业经营主体的家庭农场,在实现农业发展的规模化、专业化、集约化方面起着重要作用,而良好的融资能力是家庭农场发挥作用的基础保障。但是由于资金瓶颈问题的制约,家庭农场的发展受到了一定程度的影响。本文以云南省75家家庭农场的调查数据为依据,在对家庭农场融资现状及其存在的问题进行分析的基础上,采用回归分析方法探讨了影响家庭农场融资能力的因素。研究结果表明:家庭农场采用以信用社贷款为主的外部融资,同时以家庭积累为辅的内部融资。融资渠道采用信用社贷款和贷款用于农业生产时可以有效提高家庭农场的融资能力。加强内部资金积累,拓宽外部融资渠道,制定差别化的农村金融支持政策,建立家庭农场的保险体系将是提高家庭农场融资能力的有效途径。

As an emerging agricultural management entity,family farm plays an important role in the development of the scale,specialization and intensification of the modern agriculture. And the good financing ability is the basis of family farms. However,due to the capital bottleneck,the development of family farms has been affected to a certain extent. Based on the data of 75 family farms in Yunnan Province,this paper analyzes the present financing situation and existing problems of family farms,and then uses regression analysis to explore the factors influencing the financing ability of family farms. The results show that family farms mainly use the external credit cooperatives,and also has been accumulating families wealth. Financing channels using credit cooperatives and loans using for agricultural production can effectively improve the financing ability of family farms. Promoting the accumulation of internal funds,broadening the external financing channels,formulating different rural financial support policies,and establishing the family farm insurance system will be effective way to improve the financing ability of family farms in Yunnan Province.