摘要
发展家庭农场是提高农业集约化水平、实现传统农业向现代农业转变的有效路径。政府和金融机构要加大扶持力度,为家庭农场又好又快发展保驾护航。考虑政府、金融机构和家庭农场的需求,研究提出家庭农场信用评级指标体系和评级办法。以密切结合家庭农场的特征、定性指标和定量指标相结合、静态指标与动态指标相结合、具有可操作性为原则,选取了九个二级指标25个三级指标,构建家庭农场信用评级指标体系。在此基础上,采用层次分析法确定各指标权重,再按照评级满分100分,计算赋予各指标满分值,设计了家庭农场信用评分表和评级办法,有助于政府和银行等金融机构在家庭农场融资中对其进行客观评价,防范融资风险,同时为解决家庭农场融资难问题提供了新思路。
Developing the family farm is an effective way to improve agricultural intensification and realize the transformation from traditional agriculture to modern agriculture. Governments and financial agencies should strengthen their support and protection for the development of family farms. Taking into consideration the needs of governments, financial agencies and family farms, the paper puts forwards the credit rating index system and the rating method of a family farm. According to the principles of the close combination of the rating system and method with the characteristics of a family farm, of the qualitative indicators with the quantitative ones and of the static indexes with the dynamic ones, and the principle of operability, nine indicators at Level II and twenty five indicators at Level III were selected and with which a family farm credit rating index system was constructed. On this basis, the analytic hierarchy process was used to determine the weight of each index, and then the full mark was established asl00 points and according to this standard the percentage of each indicator was able to be calculated and both the credit rating scale and the rating method of a family farm. Such a practice helps governments, banks and other financial agencies evaluate the family farm financing objectively, prevent possible financing risks and provide a new solution to the financing difficulty troubling family farms.
出处
《沈阳农业大学学报（社会科学版）》
2015年第4期408-411,共4页
Journal of Shenyang Agricultural University(Social Sciences Edition)
基金
安徽省高等学校人文社会科学重点研究项目(SK2014A045)
关键词
家庭农场
信用评级
层次分析法
指标体系
融资
family farm
credit rating
analytic hierarchy process
index system
financing
