基于ISM模型的规模农户产业链内部融资规模影响因素分析

吕玫萱 王洪生 赵庆功 荆瑞

摘要 伴随新型农业经营主体不断发展，农业产业链逐步完善，规模农户作为农业产业化进程中的中坚力量，信贷需求量大却得不到满足。农业产业链融资顺应了农户组织化程度提高与产业链扩展深化所带来的农业金融需求的深刻转变。结合已有研究成果，选出影响规模农户产业链内部融资规模的影响因素，在其基础上运用ISM模型进行影响程度和层级结构的分析。结果表明，规模农户的议价能力和被替代程度是影响规模农户产业链内部融資规模的表层直接影响因素。规模农户的家庭主要经营类型和收入稳定性是中层间接影响因素，文化程度、是否加入产业链组织、种养面积是深层根源影响因素，并针对其影响因素提出相应建议。

关键词 农业产业链融资;规模农户;ISM模型;影响因素

中图分类号 S-9;F-324.6  文献标识码 A

文章编号 0517-6611（2021）13-0232-04

doi：10.3969/j.issn.0517-6611.2021.13.059

开放科学（资源服务）标识码（OSID）：

An Empirical Analysis of the Scale FarmersInternal Financing Scale of Industry Chain and the Influent Factors Based on ISM Model

L Mei xuan1，WANG Hong sheng1，ZHAO Qing gong2 et al

（1.School of Economics and Management，Shandong Agricultural University，Taian Shandong 271000;2.Taishan Rural Commercial Bank，Taian，Shandong 271000）

Abstract With the development of emerging agricultural operators and the gradual improvement of the agricultural industrial chain， large scale farmers， as the backbone in the process of agricultural industrialization， cannot meet the large demand for credit. The financing of agricultural industry chain conforms to the profound change of agricultural financial demand brought by the improvement of farmers organization degree and the expansion and deepening of industrial chain.Based on the existing research results， this paper selects the influencing factors that affect the scale of farmers internal financing scale in the industrial chain， and then uses ISM model to analyze the impact degree and hierarchical structure.The results showed that small scale farmers bargaining power and the degree of substitution are surface direct influence factors that influence scale farmers internal financing scale in the industry chain， the size of the farmers family main business type and income stability are middle indirect influence factors， cultural degree， whether to join the industrial chain organization， cultivated area are deep cause influencing factors. This paper puts forward corresponding suggestions according to its influencing factors.

Key words Agricultural value chain finance;Scale farmers;ISM model;Influencing factors

随着中国农村金融改革逐步推进，分工分业不断深化，农业经营方式逐渐转变，新型农业经营主体逐步成为农业现代化建设的重要推手。但农户贷款难题一直制约农村经济发展，农户自身积累不足与外部金融体系融资约束导致农户在生产经营过程中缺乏稳定的资金来源与保障。党的十八大报告和中央一号文件对支持新型农业经营主体发展和完善农业产业链提出了相应要求，要求完善农业产业链与农民的利益联结机制。与耕作面积小的传统农业经营不同，家庭农场、种养大户等新兴农业经营主体能够集中分散的资源，在资金、土地、技术的使用上实现规模化。……