CAJ | 학술논문

基于河北和安徽两省农民专业合作社的调研数据,笔者运用有序Probit模型,从产品特征、成员特征、经营条件、组织功能等方面剖析影响农民专业合作社资金需求强度和需求期限的因素.结果表明：自有资金丰厚、社长为企业负责人、拥有企业、外部销售渠道稳定的合作社资金需求强度较高;成员人数、成员出资、资产结构、品牌注册和民间借贷对合作社资金需求期限有显著影响;产品特性对资金需求期限影响差异不大.笔者据此提出政府应尽快形成土地流转和土地使用权抵押的相关法律;规范合作社注册登记程序;金融机构则应该调整信贷政策,创新信贷产品和抵押担保模式.
기우하북화안휘량성농민전업합작사적조연수거,필자운용유서Probit모형,종산품특정、성원특정、경영조건、조직공능등방면부석영향농민전업합작사자금수구강도화수구기한적인소.결과표명：자유자금봉후、사장위기업부책인、옹유기업、외부소수거도은정적합작사자금수구강도교고;성원인수、성원출자、자산결구、품패주책화민간차대대합작사자금수구기한유현저영향;산품특성대자금수구기한영향차이불대.필자거차제출정부응진쾌형성토지류전화토지사용권저압적상관법률;규범합작사주책등기정서;금융궤구칙응해조정신대정책,창신신대산품화저압담보모식.
Based on the survey data of Hebei and Anhui province, we use ordered Probit model from the aspects of product features, members features, operation conditions, and organizational function to analyze their influence on FPC financial demand intensity and demand periods. The results show that the FPC which owns rich funds, owns a company and has stable sales channels and whose presi- dent is in charge of an enterprise, is concentrated in the higher levels of financial demand intensity. The results also show that factors such as cooperative members, member＇ s contribution, asset structure, brand registration and private lending have significant effects on financial demand period, but product features have insignificant effects on that. Finally, it is proposed that relevant laws on the transfer and the mortgage of rural land-use right should be formed by government as soon as possible, and registration procedures of FPC should be standardized as norm. At the same times, financial institutions should focus on product innovation, mortgage and guarantee innova- tion and credit policy adjustment.