资阳市生猪产业投融资制度创新研究
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摘要
资阳市生猪产业发展迅速,成为四川省三大畜牧强市之一。资金是生猪产业发展的关键要素,主要包括财政投入和金融融资。资阳市积极探索多元化投入新模式作为现代农业发展的重要保障。在投资制度方面,资阳市创新了投资平台,组建“农业产业化信用担保公司”来缓解担保瓶颈；在融资制度上,农村金融机构针对农户、农业产业化企业和农民专业合作社等需求主体研发了不同种类的金融产品和服务来满足其融资的需要；另外,资阳市还探索出如“六方合作+保险”这样的财政与金融结合支农新机制。因此,本文选取资阳市雁江区、简阳市和安岳县,运用随机抽样的方法对农户、生猪专业合作社和生猪企业对资阳市生猪产业投融资制度创新的反馈情况进行调查,运用Logistic模型分析影响农户获得金融机构贷款的因素,以期为资阳市的投融资制度进一步创新探索新的路径。
本文首先阐明了研究的背景和意义,并整理了农业投融资制度创新的相关文献及相关经济学理论基础,然后对资阳市生猪产业的发展现状进行了梳理,包括资阳市生猪产业投融资主体及构成情况,并提出目前影响资阳市生猪产业存在的主要问题是资金投入不足。其次,分析了资阳市生猪产业投融资制度创新实践,对资阳市农业产业化信用担保公司这一投资平台的运作模式及运作效果进行分析,计算出其担保放大倍数为7.36,高于国内平均水平,但是低于国际水平,还需要继续稳步扩大放大倍数；通过对生猪企业、合作社以及农户的深入调查,利用问卷调查数据,对资阳市农村金融机构的创新活动进行了实证分析并指出,虽然资阳市正规农村金融机构对农户贷款的覆盖率达到了58.57%,但是贷款的主要品种仍然是小额信贷,其他创新产品在农户中的认知度还不够高,还需要金融机构加强产品的宣传,同时加大对生猪产业的信贷产品和服务的研发。最后,针对“六方合作+保险”机制,本文肯定了其将财政支农与农村金融相结合的优势与作用,但是也认为这一机制在宣传推广方面还存在问题,另外,通过对农户是否贷款的因素进行分析,分析的结果表明农户的文化程度、参加合作社以及“六方合作+保险”均对农户获得贷款有显著影响,说明了资阳市生猪产业投融资制度创新在一定程度上增加农户获得贷款的概率,使农户获得了更多的金融服务。
The pig industry of ZiYang city develops quickly and become one of the three major livestock cities of SiChuan Province. The development of pig industry needs the support of all aspects, the key issue is funding support, mainly include financial investment and financial funding. The ZiYang city is actively exploring new diversified models as important guarantee for the development of modern agriculture。About the investment system, ZiYang city has innovated investment platform, set up the guarantee companies to ease the security bottlenecks. Regarding the financial system, based on the according the need of enterprises, cooperatives and farmers, the rural financial institutions have researched and developed a variety of financial products and services to meet their financing needs. In addition, the ZiYang city also explored the "six-party cooperation" system, which combined financial with monetary as a new mechanism. In this article, we choose Yanjiang District of ZiYang city, Jianyang city and AnYue County to randomly select the subjects focusing on the farmers, pig cooperation and enterprise, on the feedback of the financial funding and investment status. We applied Logistic model to analyze what factors are affecting if the farmers could have the financial funding support or not. We hope this will lay the foundation for further innovative way for investing in Ziyang city.
First, this paper put the relevant economic theory and pertinent literature about investment and financing system of agriculture, then categorizes the current development status of pig industry of ZiYang city, including the main party and composition of investment and financing, and point out the problem of pig industry is insufficient capital. Second, this paper analyzes the innovative practices in the investment system of ZiYang city, the operation mode and effects of the Ziyang City Credit Guarantee Corporation Ltd., calculate its magnification coefficient of guarantee as 7.36 which higher than the national average but lower than the international level, and need to steadily expand the magnification; according to the survey data. This paper conducts an empirical analysis to innovative activities of rural financial institutions, and brings out the coverage rate of farmer's loan is 58.57% by the formal rural financial institutions, the proportion of farmers loans is higher, but the main varieties is micro-credit, the awareness of other innovative products is not high enough which need more publicity and continue to research the product and service for pig industry. The final, about "six-party cooperation" system, this paper confirms its advantage and role. However, this paper also considers the mechanism having problem in publicity and promotion. Beside, according to the results of the analysis of factors of loan, the results shows that the choice of financing、the type of loan、participation in the cooperative and the "six-party cooperation" significantly affected the loan application of farmers, also shows that this innovation of investment and financing system in ZiYang city increase the probability of loan application of farmers and make them get more financial services.
本文首先阐明了研究的背景和意义,并整理了农业投融资制度创新的相关文献及相关经济学理论基础,然后对资阳市生猪产业的发展现状进行了梳理,包括资阳市生猪产业投融资主体及构成情况,并提出目前影响资阳市生猪产业存在的主要问题是资金投入不足。其次,分析了资阳市生猪产业投融资制度创新实践,对资阳市农业产业化信用担保公司这一投资平台的运作模式及运作效果进行分析,计算出其担保放大倍数为7.36,高于国内平均水平,但是低于国际水平,还需要继续稳步扩大放大倍数；通过对生猪企业、合作社以及农户的深入调查,利用问卷调查数据,对资阳市农村金融机构的创新活动进行了实证分析并指出,虽然资阳市正规农村金融机构对农户贷款的覆盖率达到了58.57%,但是贷款的主要品种仍然是小额信贷,其他创新产品在农户中的认知度还不够高,还需要金融机构加强产品的宣传,同时加大对生猪产业的信贷产品和服务的研发。最后,针对“六方合作+保险”机制,本文肯定了其将财政支农与农村金融相结合的优势与作用,但是也认为这一机制在宣传推广方面还存在问题,另外,通过对农户是否贷款的因素进行分析,分析的结果表明农户的文化程度、参加合作社以及“六方合作+保险”均对农户获得贷款有显著影响,说明了资阳市生猪产业投融资制度创新在一定程度上增加农户获得贷款的概率,使农户获得了更多的金融服务。
The pig industry of ZiYang city develops quickly and become one of the three major livestock cities of SiChuan Province. The development of pig industry needs the support of all aspects, the key issue is funding support, mainly include financial investment and financial funding. The ZiYang city is actively exploring new diversified models as important guarantee for the development of modern agriculture。About the investment system, ZiYang city has innovated investment platform, set up the guarantee companies to ease the security bottlenecks. Regarding the financial system, based on the according the need of enterprises, cooperatives and farmers, the rural financial institutions have researched and developed a variety of financial products and services to meet their financing needs. In addition, the ZiYang city also explored the "six-party cooperation" system, which combined financial with monetary as a new mechanism. In this article, we choose Yanjiang District of ZiYang city, Jianyang city and AnYue County to randomly select the subjects focusing on the farmers, pig cooperation and enterprise, on the feedback of the financial funding and investment status. We applied Logistic model to analyze what factors are affecting if the farmers could have the financial funding support or not. We hope this will lay the foundation for further innovative way for investing in Ziyang city.
First, this paper put the relevant economic theory and pertinent literature about investment and financing system of agriculture, then categorizes the current development status of pig industry of ZiYang city, including the main party and composition of investment and financing, and point out the problem of pig industry is insufficient capital. Second, this paper analyzes the innovative practices in the investment system of ZiYang city, the operation mode and effects of the Ziyang City Credit Guarantee Corporation Ltd., calculate its magnification coefficient of guarantee as 7.36 which higher than the national average but lower than the international level, and need to steadily expand the magnification; according to the survey data. This paper conducts an empirical analysis to innovative activities of rural financial institutions, and brings out the coverage rate of farmer's loan is 58.57% by the formal rural financial institutions, the proportion of farmers loans is higher, but the main varieties is micro-credit, the awareness of other innovative products is not high enough which need more publicity and continue to research the product and service for pig industry. The final, about "six-party cooperation" system, this paper confirms its advantage and role. However, this paper also considers the mechanism having problem in publicity and promotion. Beside, according to the results of the analysis of factors of loan, the results shows that the choice of financing、the type of loan、participation in the cooperative and the "six-party cooperation" significantly affected the loan application of farmers, also shows that this innovation of investment and financing system in ZiYang city increase the probability of loan application of farmers and make them get more financial services.
引文
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