凉山州农业政策性金融支持农业产业化龙头企业发展研究

【作者】 夏伟；

【导师】 张文秀； 汪腾；

【作者基本信息】 四川农业大学 ， 农村与区域发展， 2013， 硕士

【摘要】 走农业产业化发展道路已经成为我国农业经营体制机制改革的必然趋势,是发展现代农业生产经营方式变革的选择和方向。农业产业化作为一种农业发展方式,其中起重要带头作用的就是龙头企业,其通过集成利用资本、人力和技术等生产要素优势,使传统小规模、分散经营的农户向专业化、规模化、标准化的方向发展,这种集成方式不仅是推进农业产业化的关键要素,也是建设现代农业的有效途径,对促进农业增效、农村稳定和农民增收起着重要的拉动作用。但是从农业产业化的发展来看(以凉山州为例),由于农业产业化龙头企业原始积累历程短,自有资金匮乏,抗风险能力弱,资信等级不高,加之农业产业具有投入期长、风险偏大、收益低等特点,商业性银行金融机构始终对其贷款持非常谨慎的态度,那么如何在商业性金融支持缺位的情况下解决其“融资难”问题便成了当下我们关注的焦点。在这种背景下,研究凉山州政策性金融即农业发展银行凉山州分行对当地农业产业化龙头企业的融资支持状况,便显得尤其重要。本文通过文献整理,对国内外政策性金融对农业产业化龙头企业金融支持的研究进行了回顾,并以凯恩斯主义的市场失灵论、农业弱质性、公共产品等理论为基础,通过实地调研、统计分析的方法、描述性分析等方法对凉山州政策性金融支持农业产业化发展,现状及其存在的问题进行分析,对金融支持农业产业化龙头企业的供给以及龙头企业的金融需求现状进行对比,提出农业发展银行的进一步支持农业产业化龙头企业的对策建议。研究结果表明,当前农发行凉山州分行在支持产业化龙头企业发展的过程中主要面临着企业自身经营管理水平不高、信用缺失和银行信贷政策不灵活、支持范围未全面放开等原因的制约,同时还面临着一系列的外部监管环境、政策环境以及风险防控的考验等。结合这些原因,并借鉴了国外研究者的经验,提出了农发行应该在金融产品创新、结算工具改进、加强风险防控等方面进一步努力,同时要进一步加强金融合作,尤其是和地方政府的合作,通过银行、政府和企业三方的有效合作共同推进农业产业化的发展。更多还原

【Abstract】 Walk the road of the development of the agricultural industrialization has become China’s agricultural management system mechanism reform inevitable trend, which is the development of modern agricultural production and operation mode change choice and direction.The industrialization of agriculture as a kind of agricultural development way, which play an important leading role is leading enterprises, through the integrated use of production factors advantage such as capital, human and technical factors and so on, make traditional small-scale, decentralized management of farmers to specialization, scale, standardization direction. This integrated mode not only the key elements of promoting the industrialization of agriculture, but also the effective way of building a modern agriculture, it is plays an important boosting role in promote the efficiency of agriculture and increasing farmers’ income and the rural stability. But from the point of the development of agricultural industrialization (for liangshan as a example), due to the industrialization of agriculture leading enterprises primitive accumulation process short, self-capital scarce, risk resistance capacity weak, credit level not high, together with the agricultural industry characteristic:input long, risk slants big, income low, commercial bank always have very cautious attitude on their loans, so how to solve the "financing difficult" problem in the absence of the commercial financial support to becomes the focus of the us. In this context, research the policy finance of liangshan,namely agricultural development bank of liangshan branch, support condition to agricultural industrialization leading enterprise financing appears especially important.This paper through sorting the literature, reviewed financial support to industrialization of agriculture leading enterprise at home and abroad, Based on Keynesian market failure theory, the agricultural inferiority as weak, public product theory, through the field investigation, statistical analysis method, descriptive analysis and other methods to liangshan policy financial support of the development of the agricultural industrialization, the current situation and the existing problems, contrast the financial support for agricultural industrialization leading enterprises and the supply of the leading enterprise financial demand status, this paper puts forward the agricultural development bank of further support the industrialization of agriculture leading enterprises counter measures and suggestions.Through the above analysis and research, realized the current agricultural development bank of liangshan branch in support industrialization leading enterprise process of development, main facing enterprises operation and management level is not high, the lack of credit and bank credit policy not flexible, support range not fully open and other reasons restrict, at the same time facing a series of external supervision environment, policy environment and risk prevention and control test,etc.Combined with these reasons, and reference foreign researchers experience, puts forward the agricultural development bank should innovate financial products, improve settlement tools, strengthen risk control and prevention, etc factors make further efforts, with an emphasis on to further strengthen financial cooperation, especially the local governments cooperation, through the bank, the government and the enterprise tripartite effective cooperation to jointly promote the industrialization of agriculture development.更多还原