【摘要】 农民专业合作社开展内部信用合作是化解农村融资难,发展合作金融的有效途径。以陕西省礼泉县农民专业合作社的实地调查资料为基础,利用二元Logistic模型对农民参与合作社内部信用合作的意愿及其影响因素进行实证分析。结果表明:户主年龄较小、受教育水平较高、家庭相对富裕、收入来源依赖于农业、今后贷款需求大的农民表现出较强的信用合作参与意愿;农民对合作社信用合作基本知识及政府支持政策的了解认知程度也在一定程度上影响着其参与信用合作的积极性。针对以上研究结果提出积极开展合作社内部信用合作试点、建立健全信用合作基金管理制度、探索合作社内部信用合作与产业发展相互促进的机制、加强合作社内部信用合作业务的监管和指导服务等对策建议。更多还原

【Abstract】 It is an efficient way to carry out internal credit cooperation in farmer professional cooperatives so as to resolve the rural financing difficulties and construct rural cooperative finance.Based on the field survey data of the farmer professional cooperatives in Liquan county,Shaanxi province,the binary Logistic model is used to make an empirical analysis of the willingness of farmers to participate in internal credit cooperation in the cooperatives and its influencing factors.The analysis results show that:the farmers with relative young age,high education level,wealthy possesses,main source of income from agricultural production and high demand of loan in the future have strong willingness to participate in the credit.The farmers’ level of understanding of cooperative credit cooperation policies also significantly affects the probability of their participation in credit cooperation.At the end,apilot project is put forward for the internal credit cooperation of farmer professional cooperatives,such as perfecting the rules of cooperatives,exploring the mechanism of mutual promotion of credit cooperation and industrial development within the cooperative,offering countermeasures and suggestions,and strengthening the cooperative supervision and guidance service of internal credit cooperation in the cooperatives.更多还原