社员参与新型农村合作金融影响因素的实证分析*——基于山东省农民专业合作社信用互助试点调研情况

AN EMPIRICAL ANALYSIS OF THE INFLUENCING FACTORS OF THE FARMERS′ PATICIPATION IN THE NEW FORM RURAL COOPERATIVE FINANCE* ——A PILOT STUDY OF CREDIT MUTUAL ASSISTANCE OF FARMERS′ PROFESSIONAL COOPERATIVES IN SHANDONG PROVINCE

关键词:  农民专业合作社新型农村合作金融信用互助农户行为Logistic模型

Key words:  farmer′s specialized cooperative  new form rural cooperative financial  credit mutual assistance  farmer behavior  Logistic model

摘要:

［目的］利用对山东省“农民专业合作社信用互助业务试点”进行的抽样调查数据，重点研究信用互助业务供给与需求的匹配情况、影响信用互助规模的原因，以及社员参加新型农村合作金融的意愿、行为及其影响因素。［方法］运用Logistic模型，选取农户个人特征、家庭生产情况、互助金使用成本、信用互助体验等15个指标作为自变量，对影响社员参与新型农村合作金融意愿展开分析。［结果］反映农户个人特征的变量影响不显著，反映农户家庭生产情况的变量有正向影响，有关互助金使用成本的变量影响各不相同，体现信用互助体验的变量中仅有“知晓度”为正向影响，且较显著。［结论］新型农村合作金融制度供给者的风险厌恶，导致农民金融需求不能充分满足； 农民专业合作社是利于农村合作金融开展的重要载体，但有待进一步规范； 新型农村合作金融的发展有助于建立长期、完整的农民信用数据库，成为各种形式农村金融的基础。

Abstract:

Based on the sample survey data of new form rural cooperative finance pilot projects in Shandong province, this research focuses on the matching of supply and demand of credit assistance service, the causes that affect the scale of credit mutual aid, and the willingness, behavior, and influencing factors of farmers′ participation in new form rural cooperative finance. The Logistic Regression model was used to analyze the willingness of farmers′ participation in new form rural cooperative finance, where 15 elements were selected as independent variables, such as farmers′ personal characteristics, family production situation, mutual aid cost, and credit mutual aid experience. The results showed that the effects of the farmers′ personal characteristics were not significant while family production situation had positive effects. The effects of the variables on mutual aid cost were diverse. Only one of the variables of credit mutual aid experience, namely awareness, had positive and significant effects. Due to the risk aversion of new form rural cooperative finance suppliers, the financial needs of farmers can not be met. Farmer specialized cooperative is an important carrier of developing rural cooperative finance, but they needed to be further standardized. The development of new form rural cooperative finance will help to establish a long term and complete farmer credit database and become the foundation of various rural financial forms.