合作社带动型产业链融资对农户收入的影响

陈婧

摘要：本文在农业集约化经营管理转变和产业链融资发展的背景下，基于江苏省苏南县域的实地调查数据，分析了合作社带动型产业链融资对农户收入水平的影响。实证结果表明，合作社带动型产业链融资对样本农户收入水平提高具有正向影响;而在合作社内部，由于成员的异质性，核心成员收益程度普遍高于其他农户。同时，本文还发现品牌效应对农户收入提高也具有显著的正向影响。据此，本文对完善“农户+合作社”利益联结机制提出改进建议，为提高农户收入水平发挥积极作用。

Abstract： In the context of the transformation of agricultural intensive management and the development of industrial chain financing， this paper analyzes the impact of cooperative-driven industrial chain financing on the income level of farmers based on field survey data in Sunan Counties， Jiangsu Province. The empirical results show that the cooperative-driven industry chain financing has a positive effect on the income level of the sample farmers; and within the cooperative， due to the heterogeneity of the members， the income of the core members is generally higher than that of other farmers. At the same time， this article also found that the brand effect also has a significant positive impact on the increase of farmers' income. Based on this， this article puts forward suggestions for improving the benefit linkage mechanism of "farmers+cooperatives"， which will play a positive role in increasing the income of farmers.

關键词：农民专业合作社;农业产业链融资;收入;收益差异

Key words： farmers' professional cooperatives;agricultural industry chain financing;income;income difference

中图分类号：F323.8                                     文献标识码：A                                  文章编号：1006-4311（2020）24-0103-04

0  引言

解决三农问题一直是我国工作的重点，而实现农业由传统向现代化转变是当下农业发展的重要目标之一。随着现代农业的发展，一方面，农户对资金的需求程度逐年提升，然而由于缺少合规抵押品、农业经营活动风险较高、监管难度较大等，普通农户往往很难获得信贷（刘西川，2013），农户“融资难”问题严重。《“三农”互联网金融蓝皮书》指出：我国农村金融缺口已超过3万亿元，农村金融有效供给的严重缺乏一定程度上制约了我国农村经济发展。另一方面，农业生产及农户发展呈规模化趋势，家庭农场、龙头企业、农民专业合作社等新型农业经营主体积极推动了农业产业化进程（周月书，2018）。对此，农业产业链兴起，为农户融资提供了新的渠道，有助于实现农民增收。……