水产养殖业正规贷款差异性研究——以鲆鲽类养殖业中小型养殖生产者为例

以鲆鲽类养殖企业随机抽样数据为样本，采用方差分析研究了我国水产养殖生产者的贷款途径、难以获得贷款的原因和贷款的来源机构的差异性。研究发现：养殖生产者是否通过个人或企业信用向金融机构获得贷款在地区间存在显著差异；不同文化程度的养殖生产者是否了解相关金融政策存在明显差异；而贷款是否来自于中国邮政储蓄银行所存在的显著差异是养殖规模的不同引起的。研究结果同时表明，金融产品单一、担保缺乏与抵押品价值不足、金融机构放贷手续繁琐、利率过高、养殖生产者文化程度偏低、部分金融机构对该产业存在规模歧视是制约水产养殖生产者获得正规贷款的重要因素。最后提出改善水产养殖企业正规贷款困难的政策建议。

The difference research of formal loan in aquaculture: taking the small and medium aquaculture producers in flatfish aquaculture as an example

This paper took the random data from flatfish aquaculture enterprises as a sample, and used the variance analysis to study the difference in the lending channels, the reason of loan dilemma and the lending institution. The results showed that whether aquaculture producers used personal or business credit to obtain loans was affected significantly by the region factor. The level of understanding relevant financial policies was affected significantly by aquaculture producers’ education degree. And whether the aquaculture producers could get loan from Postal Savings Bank of China was affected by the scale of farming. At the same time, this paper pointed out that some factors such as the lack of financial products’ diversity, the lack of collateral and the insufficient of available collateral value, the complexity of lending procedures, high interest rates, lower cultural degree of aquaculture producers and the size discrimination impeded aquaculture producers to get formal loans. Finally, this paper put some policy recommendations to improve aquaculture enterprises formal loan dilemma.