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首都经济贸易大学 硕士学位论文 我国农民专业合作社融资问题研究 姓名:朱文丽 申请学位级别:硕士 专业:工商管理 指导教师:李树生 20100301 首都经济贸易大学博(硕)士学位论文 我国农民专业合作社融资问题研究 I 摘摘 要要 农民专业合作社,作为“民有,民管,民受益”的一种全新且有效的产业组织形 式,是基于缓解广大农户小规模分散作业与大规模集中交易市场的冲突、减少广大农 户走向市场时所面临的不确定因素、 降低交易费用和提升交易效率等目的产生并发展 起来的。总的来说,在当前环境下得以快速发展的农民专业合作社,突破了家庭承包 经营方式在生产要素有效组合等方面的制约,在提高农民组织化程度、推动农业增产 增效、引领农民参与国内外市场竞争、促进农民增收和加快新农村建设步伐等方面具 有普遍意义,将成为新时期农村基本经营制度创新的一种趋势和潮流。 但是很多农民专业合作社都存在因融资能力严重不足而限制其作用有效发挥的 问题。有鉴于此,作者以总结分析农民专业合作社相关理论为起点,了解农民专业合 作社的发展和融资现状, 剖析农民专业合作社发展过程中面临资金匮乏问题的深层次 原因,探索破解农民专业合作社融资难题的有效途径,并从加强政府引导、加快合作 社自身发展和完善农村金融体系建设三个角度提出自己的建议。 文章的主要内容可分为六大部分: 第一章:导论。本章从阐述论文研究背景、目的和意义的角度入手,指出全文的 研究所在,说明了论文的研究思路和研究方法,概括了论文的主要内容,总结了研究 的创新和不足之处。 第二章:农民专业合作社融资相关理论。本章概述了国内外农民专业合作社融资 相关理论。首先介绍农民专业合作社的涵义、成立机制和本质特征等相关概念。然后 对西方农业合作社理论进行了简要回顾,包括新古典经济学合作社理论、新制度经济 学的交易费用和产权安排理论、不完全契约理论和一体化扩张战略理论;最后在简要 回顾企业融资相关基础理论和农业农村金融发展基础理论的基础上, 对农民专业合作 社融资理论研究情况进行了系统性综述。 第三章:农民专业合作社发展和融资现状分析。本章首先简要分析了我国农民专 业合作社发展现状和特点,然后对农民专业合作社的融资概况、融资需求、资金来源 渠道和融资环境等情况进行了系统性分析, 为第四章系统性分析我国农民专业合作社 融资制约因素奠定了基础。 第四章:农民专业合作社融资难题成因分析。本章首先结合第三章融资现状分析 情况,有针对性地挖掘造成我国农民专业合作社融资难题的主要成因。然后通过对作 者精心筛选的典型案例进行介绍和分析, 增加了对农民专业合作社融资模式的感性认 识,最后对各类典型融资模式的缺陷进行简要分析。 第五章:破解农民专业合作社融资难题的有效途径。针对第四章分析得出的导致 农民专业合作社融资难题的行业风险集中、自身制度安排存在缺陷、整体发展水平较 首都经济贸易大学博(硕)士学位论文 我国农民专业合作社融资问题研究 II 低、农村金融服务体系不健全和政策扶持力度有限等深层次原因,学习和借鉴发达国 家在解决农民合作组织融资问题方面的成功做法, 结合对我国各地形式多样的农民专 业合作社典型融资案例的分析论证, 提出了破解农民专业合作社融资难题的几条有效 途径。 第六章:总结和展望。归纳总结全文的主要研究结论,并指出论文的不足和下一 步研究的努力方向。 【关键词】 农民专业合作社 融资困境 制度安排 扶持政策 农村金 融体系 首都经济贸易大学博(硕)士学位论文 我国农民专业合作社融资问题研究 III ABSTRACT As a new and effective industrial organization which forms as people own, people manage, and people profit, Specialized Farmers Cooperatives (SFC) was founded and developing based upon the purposes of relieving the conflict of small farmers production and the large market, reducing risks and uncertainties of participating competition, and improving the efficiency of transactions. In general, SFC, which gets rapid development at current environment, has broken through the constraints of production element effective combination brought by the household contract pattern, and makes a universal significance at improving the extent of peasant organizations, promoting agricultural production, leading peasants to participate in domestic and international competition, and accelerating the pace in building new countryside areas. The model, at current time, will become a developing direction of the innovation of rural areas fundamental running system. However, the serious funding shortage problem which SFC has to face, is critically affecting and restricting SFC to play its role. In view of this, the article regards SFC general theory as guidance, by comprehending its developing history and financial situation, analyzes the deep-seated reasons of SFCs funding shortages problem during its developing process, explores the effective method to solve its financing problem, and proposes a solution from three aspects, namely strengthening government guidance, fulfilling SFCs self-developing, and improving the rural financial system. As a whole, this article is divided into six parts, and the main body can be summarized as followings: Chapter I: Introduction. It outlines the articles study background, purposes and significances, points out the fundaments of the article, establishes the paper ideas and study approaches, and lays a solid foundation of future research. The focus on the main contents, innovations and deficiencies of the article also can be found in this chapter. Chapter II: Related theories of SFC financing. It outlines foreign and domestic related theories of SFC financing. Firstly, it introduces relevant SFC conceptions, including its meaning, established system and nature. And then, it reviews western agricultural cooperation theories in brief, including Cooperatives Theory from New Classical Economics, Transaction Costs Theory and Property Rights Allocation Theory from New Institutional Economics, Incomplete Contract Theory and Integration of Expansion Strategy Theory. Lastly, based on a brief review of relevant corporate finance basic 首都经济贸易大学博(硕)士学位论文 我国农民专业合作社融资问题研究 IV theories and agricultural & rural development finance basic theories, the author carries out a systematic overview of SFC financing theoretical research. Chapter III: Analysis on SFC developing and financing situation. It summarizes the development situation and features of domestic SFC at first, and then makes a systematic analysis on SFCs financing profile, requirements, sources and environments, in order to make a foundation for Chapter IV, which is going to analyze the constraints during the SFC financing. Chapter IV: Analysis on causes of SFC financing difficulties. First, in conjunction with chapter III, this chapter focuses on the main causes of SFC financing difficulties. Later, by introducing and analyzing selected representative cases, the chapter wants to increase the readers perceptual k
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