CAJ | 학술논문

对农民专业合作社融资渠道与资金匮乏原因进行调查分析，并运用层次分析法和模糊综合评价法，在实地调研数据的支撑下，构建包括基础保障能力、理事长及相关能力、持续发展能力、财务完善情况等4方面共21个指标的农民专业合作社融资能力评价指标体系，在此基础上，对福建省44家种植及养殖类农民专业合作社示范社的融资能力进行了测算评价，评价结果表明：福建省农民专业合作社示范社整体融资能力不强，不同合作社融资能力有差异，养殖类合作社比种植类合作社更易获得融资，大宗产品种植类专业合作社比小宗产业种植类专业合作社融资能力更强。基础保障能力、理事长及相关能力与合作社融资能力的相关性很大，持续发展能力与合作社融资能力相关性并不稳定，合作社制度完善情况普遍都比较好。最后，从创新金融支持合作社的方式、提升合作社自身筹资能力、加强理事长及重要骨干力量的培训、优化政府对农民专业合作社的资金扶持机制等4个方面提出了对策建议。
대농민전업합작사융자거도여자금궤핍원인진행조사분석，병운용층차분석법화모호종합평개법，재실지조연수거적지탱하，구건포괄기출보장능력、리사장급상관능력、지속발전능력、재무완선정황등4방면공21개지표적농민전업합작사융자능력평개지표체계，재차기출상，대복건성44가충식급양식류농민전업합작사시범사적융자능력진행료측산평개，평개결과표명：복건성농민전업합작사시범사정체융자능력불강，불동합작사융자능력유차이，양식류합작사비충식류합작사경역획득융자，대종산품충식류전업합작사비소종산업충식류전업합작사융자능력경강。기출보장능력、리사장급상관능력여합작사융자능력적상관성흔대，지속발전능력여합작사융자능력상관성병불은정，합작사제도완선정황보편도비교호。최후，종창신금융지지합작사적방식、제승합작사자신주자능력、가강리사장급중요골간역량적배훈、우화정부대농민전업합작사적자금부지궤제등4개방면제출료대책건의。
The financing channels and funding sources the Provincial Farmers′Cooperatives in the province relied on for raising their capital were surveyed.Based on the information obtained,the causes of the financial shortages the organizations experienced in the past were thoroughly analyzed by means of the analytical hierarchy process and fuzzy comprehensive evaluation.As a result,a program consisting of 21 criteria was developed to evaluate the individual cooperative′s ability to provide basic loan guarantees and maintain a sustainable development and a stable fiscal status,as well as the executive's professional competency and managerial skills.Our survey on 44 farmers'cooperatives in the province seemed to show (a)a general lack of marketing expertise in the organizations;(b)a significant deviation between the cooperatives'ability to secure funds for the businesses associated with crop breeding/aquaculture and that for the operations involved in conventional farming;also,between that for the large-scale commodity segments and the small-sized firms;and,(c)a considerable variation on the professional skill levels of the top management.These shortfalls inevitably impeded an efficient operation for some cooperatives,even though their infrastructures were generally updated.Accordingly,suggestions concerning how to effectively enhance their fundraising capability,strengthen personnel training,and vitalize support mechanism are presented.