| 万宇涛，杨立社.农户正规信贷体系的有效性评价
——基于加入农民专业合作社的视角[J].广东农业科学,2015,42(23):200-206 |
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农户正规信贷体系的有效性评价
——基于加入农民专业合作社的视角 |
| Evaluation of effectiveness of farmers’ formal credit system—From the perspective of farmers’ professional co-operatives |
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| DOI： |
| 中文关键词: 农户正规信贷 农民专业合作社 模糊综合评价 组合赋权法 |
| 英文关键词: farms’ formal credit farmers' professional co-operatives fuzzy comprehensive evaluation combination weighting method |
| 基金项目:教育部2 0 1 1 年度“长江学者和创新
团队发展计划”项目（IRT1176）；国家自然科学基金
（70973097） |
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| 摘要点击次数: 1255 |
| 全文下载次数: 474 |
| 中文摘要: |
| 以陕西省获得农村信用社贷款的农民专业合作社社员为研究对象，结合相对熵的组合赋权法，
将农民专业合作社的相关因素作为评价指标，使用模糊综合评价法对农户正规融资体系的有效性进行实证分
析。结果表明，评价向量对应的评语等级为“好”，且除耕地面积、收入水平等农户本身的因素外，与合作社
有关的指标权重处于“次要地位”，说明农民专业合作社对于农户的正规融资效果有着重要作用。因此，要加
强政府、信用社对农民专业合作社的支持力度，进一步巩固农民专业合作社的信息优势与筛选功能，提升“专
业合作社+ 农户+ 金融机构”模式的运行效率，破解农户融资难问题。 |
| 英文摘要: |
| Taking peasants who obtained loans from rural credit cooperatives and a member of farmer professional
co-operatives from Shaanxi province as the research objects，combined with relative entropy portfolio weighting
method，using related factors about farmers’ professional co-operatives as indexes，fuzzy comprehensive evaluation
model was used to make empirical analysis about the effectiveness of formal finance system. The results showed that
the evaluation vector corresponded to the level as the“ good”，and in addition to arable land，income level and other
factors，the index weights of other factors related to the cooperatives in the“ secondary”，so that farmers’ professional
co-operatives played an important role in the formal financing of farmers. Therefore，it was necessary to strengthen
the support of governments and the credit cooperatives to farmers’ professional cooperatives，further strengthen the
information superiority and the filtering function of farmers’ professional co-operatives，promote the efficiency of the
mode of “professional cooperative + farmers + financial institutions”，solving the difficulty of financing problem for
farmers. |
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