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Empirical Analysis of Influencing Factors of Commercial Bank Loan Services Targeting New Agricultural Management Entities — Study of China’s Shangyu District and Huangyan District

Received: 7 June 2016     Published: 11 June 2016
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Abstract

At present, the financing difficulty of new agricultural management entities is increasingly outstanding, while bank financing acts as an important method to solve this problem. According to commercial bank services, this paper carried out an empirical analysis of influencing factors of new agricultural management entities' financing, based on Logistic model. The analysis results show that several factors have effects on the new agricultural management entities’ satisfaction of agricultural loan. The factors include the type of new agricultural management entities, the degree of familiarity towards financing services, the requirements of mortgage and guarantee, the diversity of financing products, the convenience of application, the loan limit, and the political and financial supports of government. As a conclusion, promoting urban credit system construction with two-right mortgage, agricultural loaning service networking and research of pertinent agricultural loaning products will help solve this financing difficulty.

Published in Science Innovation (Volume 4, Issue 3)
DOI 10.11648/j.si.20160403.15
Page(s) 146-150
Creative Commons

This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.

Copyright

Copyright © The Author(s), 2016. Published by Science Publishing Group

Keywords

New Agricultural Management Entities, Agricultural Loan, Logistic Model

References
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[2] József Varga and Zoltán Sipiczki. The Financing of the Agricultural Enterprises in Hungary Between 2008 and 2011 [J]. Procedia Economics and Finance, 2015, 30: 923–931.
[3] Eduardo Rodrigues de Castro and Erly Cardoso Teixeira. Rural Credit and Agricultural Supply in Brazil [J]. Agricultural Economics, 2012, 43(03): 293–301.
[4] Ayyagari, M., Demirgu¨c-Kunt, A., and Maksimovic, V. Formal versus Informal Finance: Evidence from China [J]. Review of Financial Studies, 2010, 23(8): 3048–3097.
[5] 汪艳涛,高强,苟露峰.农村金融支持是否促进新型农业经营主体培育—理论模型与实证检验[J].金融经济学研究,2014,29(05):89-98。
[6] 王曙光.农村金融学[M].第二版.北京:北京大学出版社,2015:178-180。
[7] 桂泽发,吴蔚蓝,谭文洁,盖振煜. 金融支持新型农业经营主体发展研究—以甘肃省庆阳市为例[J]. 开发研究,2014,(05):96-99。
[8] 夏雪.金融创新支持新型农业经营主体发展研究[D].安徽:安徽大学,2015:10-12.
[9] 林乐芬,法宁.新型农业经营主体银行融资障碍因素实证分析—基于31个乡镇460家新型农业经营主体的调查[J].四川大学学报,2015,(06):119-128。
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  • APA Style

    Tu Xueyu, Chu Xiang. (2016). Empirical Analysis of Influencing Factors of Commercial Bank Loan Services Targeting New Agricultural Management Entities — Study of China’s Shangyu District and Huangyan District. Science Innovation, 4(3), 146-150. https://doi.org/10.11648/j.si.20160403.15

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    ACS Style

    Tu Xueyu; Chu Xiang. Empirical Analysis of Influencing Factors of Commercial Bank Loan Services Targeting New Agricultural Management Entities — Study of China’s Shangyu District and Huangyan District. Sci. Innov. 2016, 4(3), 146-150. doi: 10.11648/j.si.20160403.15

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    AMA Style

    Tu Xueyu, Chu Xiang. Empirical Analysis of Influencing Factors of Commercial Bank Loan Services Targeting New Agricultural Management Entities — Study of China’s Shangyu District and Huangyan District. Sci Innov. 2016;4(3):146-150. doi: 10.11648/j.si.20160403.15

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  • @article{10.11648/j.si.20160403.15,
      author = {Tu Xueyu and Chu Xiang},
      title = {Empirical Analysis of Influencing Factors of Commercial Bank Loan Services Targeting New Agricultural Management Entities — Study of China’s Shangyu District and Huangyan District},
      journal = {Science Innovation},
      volume = {4},
      number = {3},
      pages = {146-150},
      doi = {10.11648/j.si.20160403.15},
      url = {https://doi.org/10.11648/j.si.20160403.15},
      eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.si.20160403.15},
      abstract = {At present, the financing difficulty of new agricultural management entities is increasingly outstanding, while bank financing acts as an important method to solve this problem. According to commercial bank services, this paper carried out an empirical analysis of influencing factors of new agricultural management entities' financing, based on Logistic model. The analysis results show that several factors have effects on the new agricultural management entities’ satisfaction of agricultural loan. The factors include the type of new agricultural management entities, the degree of familiarity towards financing services, the requirements of mortgage and guarantee, the diversity of financing products, the convenience of application, the loan limit, and the political and financial supports of government. As a conclusion, promoting urban credit system construction with two-right mortgage, agricultural loaning service networking and research of pertinent agricultural loaning products will help solve this financing difficulty.},
     year = {2016}
    }
    

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  • TY  - JOUR
    T1  - Empirical Analysis of Influencing Factors of Commercial Bank Loan Services Targeting New Agricultural Management Entities — Study of China’s Shangyu District and Huangyan District
    AU  - Tu Xueyu
    AU  - Chu Xiang
    Y1  - 2016/06/11
    PY  - 2016
    N1  - https://doi.org/10.11648/j.si.20160403.15
    DO  - 10.11648/j.si.20160403.15
    T2  - Science Innovation
    JF  - Science Innovation
    JO  - Science Innovation
    SP  - 146
    EP  - 150
    PB  - Science Publishing Group
    SN  - 2328-787X
    UR  - https://doi.org/10.11648/j.si.20160403.15
    AB  - At present, the financing difficulty of new agricultural management entities is increasingly outstanding, while bank financing acts as an important method to solve this problem. According to commercial bank services, this paper carried out an empirical analysis of influencing factors of new agricultural management entities' financing, based on Logistic model. The analysis results show that several factors have effects on the new agricultural management entities’ satisfaction of agricultural loan. The factors include the type of new agricultural management entities, the degree of familiarity towards financing services, the requirements of mortgage and guarantee, the diversity of financing products, the convenience of application, the loan limit, and the political and financial supports of government. As a conclusion, promoting urban credit system construction with two-right mortgage, agricultural loaning service networking and research of pertinent agricultural loaning products will help solve this financing difficulty.
    VL  - 4
    IS  - 3
    ER  - 

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Author Information
  • College of Economics and Management, Zhejiang University of Technology, Hangzhou, P.R. China

  • College of Science, Zhejiang University of Technology, Hangzhou, P.R. China

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