家庭农场依托家庭成员并以农业生产规模化和集约化经营为特 色，是农产品商品化程度相对较高的一种重要的微观经济组织形式， 也是我国现代农业生产的主力军之一。由于其生产经营在前期投入较 大且后期回款慢，加之农业生产本身受自然条件的影响而风险较大的 特点，需要具有一定的融资保障来支撑组织的运营与发展，其融资问 题也越来越受到关注。 “政融保”融资项目是整合政府、企业、金融机构三方的主体资 源，突出了政府的组织协调优势，为家庭农场量身打造的融资服务模 式。本研究通过深入调研江西省芦溪县宣风镇家庭农场的生产经营活 动及融资意愿，对家庭农场运营过程中出现的融资意识薄弱，融资产 品单一、融资环境不佳等主要问题进行分析，通过建立农场融资需求 和“政融保”融资项目相结合的家庭农场信用评价指标体系，并运用 AHP-FCE法对18家宣风镇家庭农场的融资可行性进行综合评价和分 析。根据评价结果提出设置融资弹性区间并提供多种模式选择，加强 融资动态监控，完善金融扶持的风险调控机制，健全利益联结共享机 制，加强经营者的农村金融教育等金融服务等对策建议。 本研究以中国人保“政融保”融资可行性的分析，为切实解决生 产大户“融资难，融资贵”的难题提供了可操作性的思路，具有可复 制性，对其他类似的农业保险有效对接也具有一定的借鉴意义。 关键词：家庭农场，“政融保”融资，可行性，宣风镇 VIII Abstract Familyfarmreliesonfamilymembersandischaracterizedby large-scaleandintensiveoperationofagriculturalproduction.Itisan importantformofmicroeconomicorganizationwithrelativelyhigh degreeofcommercializationofagriculturalproducts.Anditisalsooneof themainformofmodernagriculturalproductioninChina.However,due totheagriculturalproductionandoperationowesthecharacteristicsof largeinvestmentintheearlystageandslowrepaymentinthelaterstage, itneedsacertainfinancingreservetosupporttheoperationand developmentoftheorganization.Thusthefinancingproblemsexposed bythefamilyfarmoperationhaveattractedmoreandmoreattention. The"Political-Financing-Insurance"projectgivesfullplaytothe advantagesofgovernmentorganizationandcoordination,which integratesthemainresourcesofthegovernment,enterprisesandfinancial institutions,tocreatefinancingservicesforfamilyfarms.Throughan in-depthinvestigationontheproductionandoperationactivitiesand financingwillingnessoffamilyfarmsinXuanfengTown,LuxiCounty, JiangxiProvince,thisstudyanalyzesthemainproblemsintheoperation processoffamilyfarms,suchasweakfinancingawareness,single financingproducts,poorfinancingenvironment,etc.Thisstudyalso establishesthecreditevaluationindexsystemoffamilyfarmscombined IX withthe"Political-Financing-Insurance"project.AndAHP-FCEmethod isappliedtocomprehensivelyevaluateandanalyzethefinancing feasibilityof18familyfarmsinXuanfengtown.Accordingtothe evaluationresults,itputsforwardthefollowingsuggestions:setupthe rangeoffinancingflexibilityandprovideavarietyofmodeoptions strengthenthedynamicmonitoringoffinancing,improvetheriskcontrol mechanismoffinancialsupport,improvethemechanismofinterest linkageandsharing,andstrengthenfinancialservicessuchasrural financialeducation Basedonthefeasibilityof"Political-Financing-Insurance"financing ofPICC,thisstudyprovidesapracticalwaytosolvetheproblemof "difficultandexpensivefinancing"forfamilyfarms.whichisreplicable andcanbeusedforreferenceforothersimilaragriculturalinsurance. KeyWords:familyfarm,"Political-Financing-Insurance"financing, feasibility,Xuanfengtown I 目录 摘要...................................................................................................................VII Abstract...............................................................................................................VIII 第一章绪论..........................................................................................................1 1.1研究背景.................................................................................................1 1.2研究目的与意义.....................................................................................3 1.2.1研究目的.......................................................................................3 1.2.2研究意义.......................................................................................3 1.3国内外研究现状.....................................................................................4 1.3.1家庭农场经营...............................................................................4 1.3.2家庭农场融资...............................................................................5 1.3.3融资可行性分析..........................................................................7 1.3.4研究述评.......................................................................................8 1.4研究内容和方法.....................................................................................9 1.4.1研究内容.......................................................................................9 1.4.2研究方法.....................................................................................10 1.5研究创新点与不足...............................................................................11 1.5.1研究创新点.................................................................................11 1.5.2研究不足.....................................................................................12 第二章概念界定及理论基础............................................................................13 2.1基本概念及界定...................................................................................13 2.1.1家庭农场.....................................................................................13 2.1.2“政融保”融资项目..................................................................14 2.2相关理论...............................................................................................16 2.2.1信贷配给理论.............................................................................16 2.2.2信息不对称理论.........................................................................16 2.2.3风险行为偏好理论.....................................................................17 II 第三章宣风镇家庭农场融资现状分析............................................................18 3.1宣风镇概况...........................................................................................18 3.1.1宣风镇简介.................................................................................18 3.1.2家庭农场发展现状.....................................................................18 3.2家庭农场融资现状调研.......................................................................19 3.2.1家庭农场融资基本情况.............................................................21 3.2.2家庭农场经营者融资意愿分析.................................................22 3.3家庭农场融资存在问题.......................................................................23 3.3.1融资意识较弱.............................................................................23 3.3.2融资产品单一.............................................................................23 3.3.3融资环境不佳.............................................................................24 3.4本章小结...............................................................................................25 第四章宣风镇“政融保”融资项目的可行性评价........................................26 4.1评价指标体系构建...............................................................................26 4.1.1指标选取原则.............................................................................26 4.1.2评价指标选择.............................................................................27 4.2评价体系指标权重计算.......................................................................29 4.2.1指标分层.....................................................................................29 4.2.2构建判断矩阵............................................................................29 4.2.3一致性检验及指标权重确定....................................................30 4.2.4指标综合评价............................................................................31 4.3评价体系融资可行性分析...............