高品质现代农业经营主体融资行为及影响因素分析——基于江苏地区的调查

Analysis on Financing Behavior and Influencing Factors of High-Quality Modern Agricultural Operators:Based on the Survey in Jiangsu Province

研究高品质农业经营主体贷款可获性是解决其发展资金短缺问题的关键。文章以江苏省部分地区高品质农业经营主体为调查对象,分析资金需求现状、融资行为特征以及影响因素,通过AIC准则实证分析影响经营主体融资行为的因素。结果表明,经营主体规模、企业年初信用等级、贷款用途等对贷款可获性具有实质影响,不利于农业经营主体顺利获得建设资金。扩大金融供给,适当引入政府力量,可以促进高品质现代农业的高效发展。

The key to solve the problem of shortage of development funds is to study the availability of high-quality agricultural operators’ loans. This paper takes the high-quality agricultural operators in areas of Jiangsu Province as the investigation object, analyzes the current situation of fund demand, financing behavior characteristics and influencing factors, and empirically studies the factors influencing the operators’ financing behaviors with AIC standards. The results show that the operators’ business scale, the credit rating of enterprises at the beginning of the year and the purpose of loans have a substantial impact on the availability of loans, which is not conducive to the operators to obtain construction funds smoothly. Expanding financial supply and introducing government power properly can promote the efficient development of high-quality modern agriculture.