CAJ | 학술논문

从农村金融视角构建一个农村金融支持影响农民专业合作社培育的理论模型，并采用多元Logit方法对其支持效果进行实证检验。结果表明：政府提供的通用性金融支持和金融机构提供的专用性金融支持对农民专业合作社的培育都具有正向影响，其中，金融机构提供的专用性金融支持效果更显著；社员自有资金对农民专业合作社的培育也表现出显著正向影响；文化程度、健康状况、种地年限、交通条件、农技指导、盈余分配制度和自由退出制度等控制变量也是农民专业合作社培育的重要因素。这为农村金融支持方向提供了实证证据。应进一步加大对农民专业合作社的补贴力度，降低金融机构的贷款门槛，开拓多种融资渠道，提高社员收入水平，把握好金融投资方向，完善合作社融资制度设计和运行，以此促进农民专业合作社的培育与健康发展。
종농촌금융시각구건일개농촌금융지지영향농민전업합작사배육적이론모형，병채용다원Logit방법대기지지효과진행실증검험。결과표명：정부제공적통용성금융지지화금융궤구제공적전용성금융지지대농민전업합작사적배육도구유정향영향，기중，금융궤구제공적전용성금융지지효과경현저；사원자유자금대농민전업합작사적배육야표현출현저정향영향；문화정도、건강상황、충지년한、교통조건、농기지도、영여분배제도화자유퇴출제도등공제변량야시농민전업합작사배육적중요인소。저위농촌금융지지방향제공료실증증거。응진일보가대대농민전업합작사적보첩력도，강저금융궤구적대관문함，개탁다충융자거도，제고사원수입수평，파악호금융투자방향，완선합작사융자제도설계화운행，이차촉진농민전업합작사적배육여건강발전。
This paper constructs a theory model and uses multiple logit method to examine the influence of rural finance on the farmer professional cooperatives cultivation. The results show that rural financial sup- port which comes from government, financial institutions and members of their own has a significant posi- tive effect on the farmer professional cooperative cultivation, and the effect of the financial institutions finan- cial support is more significant. The control variables of education, health, farming life, traffic conditions and agricultural technical guidance also has an important influence on farmer professional cooperatives culti- vation, and it provides an empirical evidence for the rural financial support. In order to promote the devel- opment of the farmer specialized cooperatives, the government should lower the financial institutions lending door, expand the financing channels, raise the income level of the members, and grasp the direction of the financial investment.