农户参与订单农业行为及其对正规金融供给的影响研究

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浙江财经学院硕士学位论文

摘要

农户是我国农村生产活动的基本单元，其生产力发展水平直接决定我国广大

农村的经济发展水平。随着农业生产的集中化和规模化，农户在进行生产经营活

动的过程中对资金的需求越来越多，依靠农户自身的积累往往难以满足农业生产

的需要。如果不能解决农户的资金需求问题必然会打击农户生产的积极性，影响

农户的收入水平，进而影响到我国广大农村地区的经济发展水平。

订单农业是我国农业产业化经营采用的主要模式，近年来取得了快速发展，

在提高农户生产力水平及促进农村经济发展方面发挥了重要的作用。目前，国内

外不少学者都对订单农业的相关内容进行了深入研究，在揭示订单农业发展规

律、如何提高履约率等多个方面取得了显著成果。但从农户角度，通过发展订单

农业解决农户正规金融需求和提高农村金融供给方面的实证研究还没有。基于

此，本文结合国内外已有的研究成果，构建了农户参与订单农业的行为对其正规

金融借贷能力影响的实证分析框架，然后应用浙江省部分农村地区的调查数据，

对订单农业对农户正规金融信贷能力的影响进行了实证研究，得出了本文的结

论，即：农户通过参与订单农业，可以有效的提高其从正规金融机构得到贷款的

能力，提高农村地区的正规金融供给，进而在一定程度上解决农户的资金需求问

题。并在此基础上提出了我国发展订单农业的若干政策建议。本文将理论研究与

实证研究相结合，研究内容主要分为以下五个部分：

第一章对目前国内外对订单农业相关理论研究及现状进行了文献综述及评

价，并对本研究的创新之处和不足做出归纳总结。

第二章介绍订单农业的相关概念，发展历程等。主要分析订单农业的风险—

收益、影响农户参与订单农业的影响因素以及订单农业违约的因素等。

第三章对正规的内涵、农户资金需求特征、农户正规融资方式等做了简要分

析，着重分析了农户金融需求约束和农村正规金融供给约束，最后提出了解决农

户正规贷款难问题的一条思路。

第四章在前文理论分析的基础上，提出订单农业对正规金融供给影响的结构

方程模型。通过对订单农户发放调查问卷、收集处理数据、拟合模型，并对模型

拟合结果进行检验、分析，得到的结论是：农户收益对农户参与订单农业有正面

影响；农户参与订单农业的程度对农户的信贷能力有正面影响；农户参与订单农

业的风险程度对农户的收益有正面影响，对农户借贷能力有负面影响。

最后一章在已有的理论、实证分析的基础上，对于如何通过订单农业提高我

浙江财经学院硕士学位论文

国农户信贷能力以提高农户收入水平、推动农村经济的发展提出政策建议，供相

关部门参考。

本文的创新点主要在于本文在理论分析农户参与订单农业影响因素时充分

考虑了资金因素，并进一步加深研究深度，即在此基础上研究了农户参与订单农

业对农户信贷能力的影响。

关键词：农户；龙头企业；订单农业；正规金融供给

浙江财经学院硕士学位论文

III

ABSTRACT

Rural household is the basic unit of production activities, the level of

productivity development of which directly determines the economic development in

rural. As the concentration of agricultural production, farmers are increasingly in

demand for funds during the process of production; only relying on the farmers’

accumulation is often difficult to meet their need for agricultural production. If we can

not solve the problem of the financial needs of farmers, households’ initiative and

income will be hurt, thereby affecting the economic development level of rural areas

in China.

Contract farming is the main mode of operation used in China's agricultural

industry, which recent years has achieved rapid development, and has played an

important role in improving productivity and promoting rural economic development.

At present, many scholars at home and abroad conducted in-depth research to contract

farming and related areas, achieving remarkable results in many areas such as

revealing the law of contract farming development and how to improve the

Compliance rate. However, there is not an article to study on solving problem of

farmers’ need for fund and improving the supply of rural financial though the

development of contract farming from the households’ point of view. Based on this,

this paper make reference to results of at home and abroad, construct the framework

to analyze how farmers’ participation in contract farming act to farmers’ financial

borrowing capacity, and then apply the data collecting from some rural areas in

Zhejiang. Then we make a conclusion: farmers’ participation in contract farming will

effectively improve their financial borrowing capacity and increase the informal

financial supply in rural areas. This paper is divided into five parts：

The first chapter summarizes and evaluates the contract farming related results at

home and abroad, and induces the innovation and weaknesses of this paper.

The second chapter introduces the concept of contract farming and its history and

so on. This part mainly analyzes the risk and benefits of contract farming, the factors

of farmers’ participation in contract farming and the factors of the default of the

contract.

Chapter III analyze the concept of formal financial, characteristics of household

demand for funds, and the way of farmers making formal loans. This part focuses on

浙江财经学院硕士学位论文

analysis of constraints of financial needs and supply, at the end of which an idea to

solve the problem of farmers’ formal credit is proposed.

Chapter IV based on earlier theoretical analysis, put forward the structural

equation model of the effects of farmers’ participation in contract farming to the

formal financial supply. The conclusions are: income has a positive impact on

farmers’ participation in contract farming; farmers’ participation in contract farming

has a positive effect on the credit capacity; the risk has a positive impact on farmers’

income, and has a negative impact on farmers’ credit capacity.

The last chapter based on the earlier theoretical and empirical analysis, raise the

policy recommendations on how to improve farmers credit capacity in order to

increase their income through contract farming for government departments.

Innovations of this paper is that, taking full account of the factor of funds when

resolve the factors of farmers’ participation in contract-farming, and then go deeply to

how farmers’ participation in contract farming influence their formal financial credit

capacity.

Key words: Farmers; Leading Enterprises; Contract farming; Formal financial supply

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摘要：

浙江财经学院硕士学位论文I摘要农户是我国农村生产活动的基本单元，其生产力发展水平直接决定我国广大农村的经济发展水平。随着农业生产的集中化和规模化，农户在进行生产经营活动的过程中对资金的需求越来越多，依靠农户自身的积累往往难以满足农业生产的需要。如果不能解决农户的资金需求问题必然会打击农户生产的积极性，影响农户的收入水平，进而影响到我国广大农村地区的经济发展水平。订单农业是我国农业产业化经营采用的主要模式，近年来取得了快速发展，在提高农户生产力水平及促进农村经济发展方面发挥了重要的作用。目前，国内外不少学者都对订单农业的相关内容进行了深入研究，在揭示订单农业发展规律、如何提高履约率等多个方面取得...

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