摘要
基于生命周期理论,对湖南新型农业经营主体金融支持的现状进行了调研分析。结果表明:目前,新型农业经营主体的金融支持存在着金融资源供给与金融资源需求结构性不匹配的问题,主要表现在新型农业经营主体金融资源有效供给不足和正规信贷支农力度不够2个方面;基于生命周期理论,分析了新型农业经营主体在不同发展阶段的资金需求特征,提出了“保险+期货”和“产业链贷款+信用村建设”2种新型农业经营主体金融支持新模式;其中,“保险+期货”模式是新型农业经营主体在其生命周期的各阶段都十分依赖(尤其是成熟期的主体依赖程度最高)的金融支持模式,而“产业链贷款+信用村建设”模式对于初创及成长时期的主体特别重要。
Based on the life cycle theory,the present situation of financial support for the new agricultural business entities in Hunan was investigated and analyzed.The results show that the supply of"financial resources"are structurally unmatched with the demand for it,which is mainly manifested in two aspects:insufficient effective supply of financial resources and insufficient efforts of formal credit to support agriculture.According to the characteristics of funding demand for new agricultural business entities at different development stages,two new types of financial support models for agricultural business entities are proposed,namely"insurance+futures"and"industrial chain loan+credit village construction".Moreover,the"insurance+futures"model is a financial support model that new agricultural business entities rely on in all stages of the life cycle(especially in the mature stage),while the mode of"industrial chain loan+credit village construction"is particularly important for the agricultural business entities in the start-up and growth periods.
作者
李青阳
赵惠东
LI Qing-yang;ZHAO Hui-dong(Hunan Biomechanics Vocational and Technical College,Changsha 410127,PRC;Guangdong University of Finance and Economics,Guangzhou 510320,PRC)
出处
《湖南农业科学》
2022年第5期91-94,共4页
Hunan Agricultural Sciences
基金
湖南省社科基金项目“2025湖南智造”高职项目(19YBG015)
湖南省教育厅科学研究一般项目(19C1104)。
关键词
新型农业经营主体
金融支持模式
生命周期理论
new agricultural business entities
financial support model
life cycle theory
