| 摘要: |
| ［目的］加快转变农业发展方式，发展多种形式适度规模经营，是我国农业发展的根本方向。由于农业收入水平较低，农户的原始积累难以满足扩大经营规模的资金需求，因此研究农户生产性融资能力的现状及其影响因素显得十分必要。［方法］以山东省农户为研究对象，运用描述统计、均值分析、因子分析和回归分析等方法，分析农户生产性融资能力及其影响因素。［结果］通过实证分析发现，金融供给、资产抵押、经营规模和规范性、农户信用和融资政策程序明悉等因素对农户生产性融资能力有显著影响；农业生产稳定性对农户生产性融资能力影响不显著。［结论］应加大财政扶持，完善金融供给体系；明晰农地产权，提高农户的融资抵押能力；加强经营培训，提升农业经营规范化程度；建立信用体系，提升农户的信用水平；积极开展融资宣传，促进农户对融资政策程序的明悉。 |
| 关键词: 生产性融资 融资能力 影响因素 规模经营 现代农业 |
| DOI：10.7621/cjarrp.1005-9121.20180225 |
| 分类号:F323.9 |
| 基金项目:齐鲁工业大学人文社科优秀青年学者支持计划项目“家庭农场培育问题研究”（2016RSQN007） |
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| THE FARMER'S PRODUCTIVE FINANCING CAPACITY AND THE INFLUENCING FACTORS |
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Zhao Jinguo1,2, Yue Shuming3
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1.School of Business Administration, Qilu University of Technology (Shandong Academy of Sciences), Jinan 250353, China;2.College of Economics Management, Shandong Agricultural University, Taian 271018, China;3.College of Economics Management, Shandong Agricultural University, Taian 271018, China
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| Abstract: |
| Shifting the way of agricultural development quickly and developing various kinds of moderate scale management is the essential way to achieve the agricultural modernization. Owing to the low income of the farmer, their primitive accumulation cannot satisfy the financial requirement of the scale management. Therefore, it is necessary to study the current situation and the influence factors of the productive financing ability of farmers. Taking the farmers of Shandong province as the object, using the descriptive statistics, mean analysis, factor analysis and regression analysis, this paper analyzed the farmers' productive financing capacity and its influencing factors．It found that the financial supply, mortgaging of assets, operating scale and standardization, farmers' credit and their knowledge of financing procedures had exerted a remarkable influence on their financing capacity, while the influence of productive steadiness of the agriculture was not remarkable. Therefore, it should strengthen financial support to perfect the financial supply system, clarify property rights to improve the farmer's capacity of mortgaging assets, strengthen management training to enhance the normalization of agricultural management, establish credit system to promote the farmer's credit levels, and promoting farmers' understanding about financing policies. |
| Key words: productive financing financing capacity influential factors scale management modern agriculture |
