农村土地流转金融支持体系研究
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摘要
当前我国农村问题的核心仍然是土地问题,而土地问题的核心则是农村土地如何有序、规范地进行流转。农村土地流转需要金融业的大力支持。而现有的农村金融服务体系不能适应农村土地流转金融需求的新特征、新要求,农村土地流转金融需求与信贷供给矛盾,制约了农村土地流转进程。如何结合我国实际,探索和拓宽农村土地流转的融资渠道,破解农村土地流转过程中的“融资瓶颈”,是当前我国发展现代农业所面临的重大课题。
论文从我国现行农村金融支持农村土地流转现状的调查与分析出发,综合运用现代经济学、管理学理论,采用规范分析和实证分析相结合的方法,结合我国农村金融与经济发展的实际特点,研究建立一套规范、完整的农村土地流转金融支持制度框架体系及其理论框架,包括研究构建多层次、多元化的农村土地流转金融支持组织体系；研究开发与创新一套面向农村土地流转的新型金融产品；研究构建面向农村土地流转的政策性农业保险体系；完善和创新农村土地流转金融支持的支撑体系与配套措施。
(1)论文首先对我国农村金融服务体系、农村土地流转及农村土地流转金融支持现状进行大规模的问卷与实地调查,实证研究我国农村土地流转金融需求与信贷供给矛盾。运用农地融资相关理论、金融发展模式理论以及农村金融服务机制设计等理论对农村土地流转金融支持研究的理论基础进行阐述；对国外农村土地流转金融支持相关经验进行比较研究。这些探讨为建立我国农村土地流转金融支持体系提供理论与实践依据。
(2)对农村土地流转金融需求与供给进行深入分析,在此基础上,建立完全且完美信息动态博弈模型,对不同制约条件下农村土地流转金融需求主体与农村正规金融机构之间的借贷行为进行了博弈分析,探讨影响正规金融机构做出贷款决定和农村土地流转金融需求主体做出借款并还款决定的具体因素,为农村土地流转金融支持政策的制定提供依据。提出农村土地流转金融支持体系构建的思路,分析农村土地流转金融支持的原则和实现渠道,在此基础上,构建出适合我国国情的农村土地流转金融支持体系的基本架构,同时建立农村土地流转金融支持的微观运行机制,共同构成农村土地流转金融支持系统。
(3)构建多层次、多元化农村土地流转金融支持组织体系,探讨政策性金融、商业性金融、合作性金融以及民间金融等各类型金融的在农村土地流转中的功能定位与协调,从而实现农村土地流转各类型金融支持之间的“激励兼容”。分析农村土地流转金融支持产品开发与创新应遵循的基本原则、创新途径及主要内容,在此基础上,重点研究农村土地使用权抵押贷款,农村土地承包经营收益权质押贷款、涉农中小企业集合债券和农户联保贷款等面向农村土地流转的新型金融产品,为金融支持农村土地流转创造载体和运行条件。分析构建面向农村土地流转的政策性农业保险体系的必要性,在此基础上,结合我国农业发展的现状和农村土地流转的特点以及农业规模经营的实际需要,研究选择合理的政策性农业保险模式及其系列制度安排,为金融支持土地流转筑起避险屏障。从合理定位政府角色、培育中介服务组织、构建多元化农村信用担保体系,以及优化农村金融生态环境等角度研究建立农村土地流转金融支持的支撑体系与配套措施,为农村土地流转金融支持提供宽松和谐的外部环境。
论文研究既是对现阶段我国农村金融改革理论的补充和完善,也为金融支持我国农村土地流转提供科学的理论和实证依据,具有重要的学术价值和应用价值。
At present, the core of China's rural problem is still the land issue, while the core of the land issue is how the rural land circulate in an orderly and standardized manner. Rural land circulation needs the strong support of the financial sector, but the existing rural financial service system can not meet the new features and requirements of the financial needs of rural land circulation. The conflict between the financial needs of rural land circulation and credit supply now restricts the process of rural land circulation. To combine the reality of our country, explore and broaden the ways of financing for the circulation of rural land, break the "financing bottleneck" in the process of rural land circulation is major issues of China's current development of modern agriculture.
The paper is on the base of investigation and analysis which focus on the current status of China's rural financial support for the rural land circulation. In this paper we use modern economics and management theory, combines the normative analysis and empirical analysis, considers the actual characteristics of China's rural finance and economic development to study and establish a set of normative and integrated institutional framework and theoretical framework of financial support for rural land circulation. The framework includes studying how to construct multi-level and diversified financial supporting system for rural land circulation, researching and developing a set of new financial products for rural land circulation, perfecting and innovating the supporting system and matching measures of the financial supporting for rural land circulation.
First, this paper made a large scale of the questionnaire and fieldwork on China rural financial service system, rural land circulation and financial support for the status quo of rural land circulation. The empirical study showed that the current rural financial services system in China could not meet the actual needs of the rural land circulation, and that rural land circulation financial needs contradict with credit supply.By taking advantage of the finance-related theory of agricultural land, model theory of financial development and the theory of rural financial service mechanism design, the theoretical basis of financial support for rural land circulation study was elaborated; It, comparative study of relevant experience on financial support for foreign rural land circulation, provided practical basis for the establishment of financial support for China rural land circulation system. These discussions laid the basis of theory and practice for the thesis.
Secondly, on the basis of the theoretic analysis of financial supply and demand in the circulation of rural land, further game theory analysis is made on complete and perfect information model under the different limited conditions, borrowing and lending behavior between the financial demand main body in the rural land rental market and formal credit institutions. After finding the specific factors influencing the lending decisions which is made by formal credit institutions and the borrowing and repay decisions which is made by the financial demand main body in the rural land rental market, we made comparative analysis on borrowing and lending behavior, and provide the foundation for the formulation of the financial-aid policy in the rural land rental market. The idea of the establishment of finance supporting system of rural land conversion was proposed, and the principles and the channel of achieved financial support in the rural land rental market were analyzed. Subsequently, we constructed the basic structure which is suit for country financial support to rural land transfer, established the mechanism of micro-operation to financial support in the rural land rental market simultaneously, and finally composed the financial support system for the flow of rural land.
Last, to construct a rural land circulation financial supporting system of multilayer and diversification, use it to explore the functional orientation and coordination of the Chinese policy finance、commercial finance、cooperative finance、civil finance and other types of financial service in rural land circulation so as to achieve the "incentive compatibility" between various types of financial support in rural land circulation. It is necessary to analyze the basic principles、innovation approaches and main content that should be followed in the development and innovation for rural land circulation financial supporting products, on the basis of which emphasis is paid on new financial products for rural land circulation such as:rural-land-use-right mortgage loans, pledged loans for the rights of rural land contracting and management, and farmers united guaranteed loans etc, so that carriers and operation conditions are created for the rural land circulation financial support. Besides, analysis is made of the necessity of building policy-guided agricultural insurance system for the rural land circulation. On the basis of this analysis and integrating the status quo of China's agricultural development, the characteristics of rural land circulation and the actual demands of great scale agricultural management, we study and select a rational policy-oriented agricultural insurance model and its series of institutional arrangements for building a risk-avoiding barrier for financial support of rural land circulation. In order to provide a relaxed and harmonious external environment for the rural land circulation financial support, it is necessary to study how to build a support system and supporting measures for rural land circulation financial support from perspectives of a reasonable position of the government, cultivating intermediary service organizations, building a diversified rural credit guarantee system, and optimizing the ecological environment of rural financial, etc.
The research in the paper is not only the supplement and consummating to the theory of our country's rural financial reforming in current stage, but also provide a theoretical and empirical basis for the financial support of China's rural land circulation. So the paper has important academic value and application value.
论文从我国现行农村金融支持农村土地流转现状的调查与分析出发,综合运用现代经济学、管理学理论,采用规范分析和实证分析相结合的方法,结合我国农村金融与经济发展的实际特点,研究建立一套规范、完整的农村土地流转金融支持制度框架体系及其理论框架,包括研究构建多层次、多元化的农村土地流转金融支持组织体系；研究开发与创新一套面向农村土地流转的新型金融产品；研究构建面向农村土地流转的政策性农业保险体系；完善和创新农村土地流转金融支持的支撑体系与配套措施。
(1)论文首先对我国农村金融服务体系、农村土地流转及农村土地流转金融支持现状进行大规模的问卷与实地调查,实证研究我国农村土地流转金融需求与信贷供给矛盾。运用农地融资相关理论、金融发展模式理论以及农村金融服务机制设计等理论对农村土地流转金融支持研究的理论基础进行阐述；对国外农村土地流转金融支持相关经验进行比较研究。这些探讨为建立我国农村土地流转金融支持体系提供理论与实践依据。
(2)对农村土地流转金融需求与供给进行深入分析,在此基础上,建立完全且完美信息动态博弈模型,对不同制约条件下农村土地流转金融需求主体与农村正规金融机构之间的借贷行为进行了博弈分析,探讨影响正规金融机构做出贷款决定和农村土地流转金融需求主体做出借款并还款决定的具体因素,为农村土地流转金融支持政策的制定提供依据。提出农村土地流转金融支持体系构建的思路,分析农村土地流转金融支持的原则和实现渠道,在此基础上,构建出适合我国国情的农村土地流转金融支持体系的基本架构,同时建立农村土地流转金融支持的微观运行机制,共同构成农村土地流转金融支持系统。
(3)构建多层次、多元化农村土地流转金融支持组织体系,探讨政策性金融、商业性金融、合作性金融以及民间金融等各类型金融的在农村土地流转中的功能定位与协调,从而实现农村土地流转各类型金融支持之间的“激励兼容”。分析农村土地流转金融支持产品开发与创新应遵循的基本原则、创新途径及主要内容,在此基础上,重点研究农村土地使用权抵押贷款,农村土地承包经营收益权质押贷款、涉农中小企业集合债券和农户联保贷款等面向农村土地流转的新型金融产品,为金融支持农村土地流转创造载体和运行条件。分析构建面向农村土地流转的政策性农业保险体系的必要性,在此基础上,结合我国农业发展的现状和农村土地流转的特点以及农业规模经营的实际需要,研究选择合理的政策性农业保险模式及其系列制度安排,为金融支持土地流转筑起避险屏障。从合理定位政府角色、培育中介服务组织、构建多元化农村信用担保体系,以及优化农村金融生态环境等角度研究建立农村土地流转金融支持的支撑体系与配套措施,为农村土地流转金融支持提供宽松和谐的外部环境。
论文研究既是对现阶段我国农村金融改革理论的补充和完善,也为金融支持我国农村土地流转提供科学的理论和实证依据,具有重要的学术价值和应用价值。
At present, the core of China's rural problem is still the land issue, while the core of the land issue is how the rural land circulate in an orderly and standardized manner. Rural land circulation needs the strong support of the financial sector, but the existing rural financial service system can not meet the new features and requirements of the financial needs of rural land circulation. The conflict between the financial needs of rural land circulation and credit supply now restricts the process of rural land circulation. To combine the reality of our country, explore and broaden the ways of financing for the circulation of rural land, break the "financing bottleneck" in the process of rural land circulation is major issues of China's current development of modern agriculture.
The paper is on the base of investigation and analysis which focus on the current status of China's rural financial support for the rural land circulation. In this paper we use modern economics and management theory, combines the normative analysis and empirical analysis, considers the actual characteristics of China's rural finance and economic development to study and establish a set of normative and integrated institutional framework and theoretical framework of financial support for rural land circulation. The framework includes studying how to construct multi-level and diversified financial supporting system for rural land circulation, researching and developing a set of new financial products for rural land circulation, perfecting and innovating the supporting system and matching measures of the financial supporting for rural land circulation.
First, this paper made a large scale of the questionnaire and fieldwork on China rural financial service system, rural land circulation and financial support for the status quo of rural land circulation. The empirical study showed that the current rural financial services system in China could not meet the actual needs of the rural land circulation, and that rural land circulation financial needs contradict with credit supply.By taking advantage of the finance-related theory of agricultural land, model theory of financial development and the theory of rural financial service mechanism design, the theoretical basis of financial support for rural land circulation study was elaborated; It, comparative study of relevant experience on financial support for foreign rural land circulation, provided practical basis for the establishment of financial support for China rural land circulation system. These discussions laid the basis of theory and practice for the thesis.
Secondly, on the basis of the theoretic analysis of financial supply and demand in the circulation of rural land, further game theory analysis is made on complete and perfect information model under the different limited conditions, borrowing and lending behavior between the financial demand main body in the rural land rental market and formal credit institutions. After finding the specific factors influencing the lending decisions which is made by formal credit institutions and the borrowing and repay decisions which is made by the financial demand main body in the rural land rental market, we made comparative analysis on borrowing and lending behavior, and provide the foundation for the formulation of the financial-aid policy in the rural land rental market. The idea of the establishment of finance supporting system of rural land conversion was proposed, and the principles and the channel of achieved financial support in the rural land rental market were analyzed. Subsequently, we constructed the basic structure which is suit for country financial support to rural land transfer, established the mechanism of micro-operation to financial support in the rural land rental market simultaneously, and finally composed the financial support system for the flow of rural land.
Last, to construct a rural land circulation financial supporting system of multilayer and diversification, use it to explore the functional orientation and coordination of the Chinese policy finance、commercial finance、cooperative finance、civil finance and other types of financial service in rural land circulation so as to achieve the "incentive compatibility" between various types of financial support in rural land circulation. It is necessary to analyze the basic principles、innovation approaches and main content that should be followed in the development and innovation for rural land circulation financial supporting products, on the basis of which emphasis is paid on new financial products for rural land circulation such as:rural-land-use-right mortgage loans, pledged loans for the rights of rural land contracting and management, and farmers united guaranteed loans etc, so that carriers and operation conditions are created for the rural land circulation financial support. Besides, analysis is made of the necessity of building policy-guided agricultural insurance system for the rural land circulation. On the basis of this analysis and integrating the status quo of China's agricultural development, the characteristics of rural land circulation and the actual demands of great scale agricultural management, we study and select a rational policy-oriented agricultural insurance model and its series of institutional arrangements for building a risk-avoiding barrier for financial support of rural land circulation. In order to provide a relaxed and harmonious external environment for the rural land circulation financial support, it is necessary to study how to build a support system and supporting measures for rural land circulation financial support from perspectives of a reasonable position of the government, cultivating intermediary service organizations, building a diversified rural credit guarantee system, and optimizing the ecological environment of rural financial, etc.
The research in the paper is not only the supplement and consummating to the theory of our country's rural financial reforming in current stage, but also provide a theoretical and empirical basis for the financial support of China's rural land circulation. So the paper has important academic value and application value.
引文
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