摘要
对211家家禽养殖型家庭农场与162家蔬果种植型家庭农场的信贷获得能力与获得数量的实证分析表明:对于家禽养殖型家庭农场,农场类别与信贷可获得性之间存在显著地正相关,这种关系的产生,源自于金融资本中的固定资产、流动性强的资产以及社会资本中的公职人员,而农场类别与信贷获得数量方面的显著正相关,则来自于人力资本与金融资本中的固定资产;对蔬果种植型家庭农场,则无论是在信贷获得能力,还是获得数量方面,家庭农场类别与其相关性均不显著。因此,应针对不同家庭农场的经营特征进行"差别授信";简化"两权抵押"办理程序,建立"两权抵押"价格评估机构;提高家庭农场主的人力资本;加强对金融信贷市场的监管;严格家庭农场补贴标准与发放程序。
The paper empirically analyzes 211 poultry farming family farms with 162 type of vegetable family farm credit gain ability. For poultry farming family farms, there is a significantly positive correlative relationship between the farm category and the availability of credit which is derived from the fixed assets, liquid assets in the financial capital and social capital in the civil servants, while there is a significant posi- tive correlative relationship between farm category and the number of credit terms which comes from human capital and financial capital of fixed assets. For vegetable family farms, family farms are not significantly correlated with the availability of credit, or the number of family farms. Therefore, it＇s necessary to carry out ＂differential credit＂, simplify the process of ＂two rights mortgage＂, establish ＂two rights mortgage＂ price appraisal institutions, improve the human capital of family farmer, strengthen the supervision of finan- cial credit markets, and strict family farm subsidies standards and procedures
作者
张朝华
ZHANG ZhaoHua(School of Humanities, Jinan University, Zhuhai 51907)
出处
《财贸研究》
CSSCI
北大核心
2018年第1期76-85,共10页
Finance and Trade Research
基金
国家社科基金一般项目"家庭农场效率
影响因素及其作用机制"(16BJY108)
教育部人文社科规划项目"家庭生命周期
保障策略与农户的消费行为"(15YJA790081)
关键词
资源禀赋
家庭农场
经营类别
信贷
resources endowment
the family farm
business category
credit
