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標題: | 農業信用保證制度對農漁會信用部經營績效之影響 Effects of Agricultural Credit Guarantee System on the Operational Performance of Credit Departments of Farmers' and Fishermen's Associations |
作者: | Yu-Chen Hsu 徐玉震 |
指導教授: | 吳榮杰 |
關鍵字: | 農業信用保證,資本適足率,逾期放款,專案農貸,成對樣本t檢定, agricultural credit guarantee,capital adequacy ratio,non-performing loan,policy-oriented special agricultural loan,paired sample t test, |
出版年 : | 2018 |
學位: | 碩士 |
摘要: | 農漁會信用部(以下簡稱信用部)本分支機構遍及全國各農漁村,提供農漁民資金存放需求,配合農業政策協助農業發展,在農業金融體系中扮演舉足輕重的角色,同屬農業金融體系的農業信用保證制度(以下簡稱農信保制度),對於擔保能力不足之農漁民提供協助以增強受信能力,從而自金融機構獲得農業經營所需資金。除了協助農漁民之外,此一保證制度對於信用部之資本適足率、逾期放款以及推展政策性農業專案貸款(以下簡稱專案農貸)之影響程度究竟如何,回顧過去並無文獻探討,是為本研究之主要目的。資料蒐集範圍為設有信用部之全體農、漁會,期間10年(自2007年至2016年),為考量資料之完整性而排除自2007年以後重設之信用部,實際採計261家農會及25家漁會,總樣本數2,860個作為實證分析數據。分析時將信用部區分為全體、農會、漁會分類探討比較;農會部分,依特性再區分為「都市型、混合型、鄉村型」及「北部地區、中部地區、南部地區、東部地區」以彰顯不同型態、地區之差異性。採用敘述統計及成對樣本t檢定為方法,研究結果發現:一、農信保制度對信用部資本適足率之增加有正向關係,保證餘額與資本適足率成正比,影響程度與農信保基金保證餘額占風險性資產帳面金額比率成正比,成對樣本t檢定結果顯示對農漁會皆具有顯著的影響。二、農信保制度在移除保證因素面向之下,對信用部逾放比率之降低無絕對正負關係,成對樣本t檢定結果顯示對都市型、北部地區、東部地區農會無顯著影響,對其他型態、地區農會以及漁會則有顯著影響;但在代位清償面向之下對逾放比率之降低則有正向關係,成對樣本t檢定結果顯示對農漁會皆具有顯著的影響。三、農信保制度對信用部在推展專案農貸之助益具有差異性。綜合比較助益程度高低為漁會高於農會,各類型、地區農會間則以北部地區、混合型最高,鄉村型、東部地區最低。 Branches of Credit departments of farmers’ and fishermen’s associations (FFA) have extended throughout the country's agricultural and fishing villages, provide farmers and fishermen with funds for storage, and support agricultural development with agricultural policies. FFA plays a crucial role in the agricultural financial system and belongs to the agricultural financial system. The agricultural credit guarantee system provides assistance to farmers and fishermen with insufficient guarantee capacity to enhance their abilities to receive trust, thereby obtaining funds for agricultural operations from financial institutions. In addition to assisting farmers and fishermen, this study focuses on the extent to which this guarantee system affects the capital adequacy ratio of FFA, non-performing loan, and the promotion of the special policy-oriented agricultural loan.The data of all farmers’ and fishermen’s associations with FFA were collected during the period of 10 years (from 2007 to 2016). FFA, which was reset after 2007, is excluded for consideration of the integrity of the data. The 261 farmers’ association and 25 fishermen’s associations amounted to 2,860 samples which were empirically analyzed. In the analysis, FFA is divided into the whole, the farmers’ and the fishermen’s associations. To highlight the differences between different types and regions, the farmers’ association is further divided into “urban, mixed, rural” and “north, central, southern, and eastern regions.” Descriptive statistics and paired samples t test were adopted. The results of the study were as followings:1.The agricultural credit guarantee system has a positive relationship with the increase in the capital adequacy ratio of the FFA. The guaranteed balance is directly proportional to the capital adequacy ratio. The degree of influence is proportional to the ratio of the guarantee balance of the rural credit insurance fund to the book value of the risky assets. The results of the paired samples t test demonstrate the significant influence on the farm and fishery.2.The agricultural credit guarantee system has no absolute positive or negative relationship with the reduction of the credit ratio of the FFA without guarantee factors. The results of the paired sample t test show no significant influence on the urban, northern and eastern farmers’ associations. On the other hand, the results have significant influences on other types, regional farmers’ associations and fishermen’s associations; however, there is a positive relationship between the reduction of the overshoot ratio under the subrogation, and the results of the paired sample t test have a significant influence on the agricultural and fisheries.3.The agricultural credit guarantee system has different advantages for the FFA in promoting the special policy-oriented agricultural loan. Based on the comprehensive comparison, the assistance of fishermen’s associations is higher than farmers’ associations. Among all types and regions of farmers’ associations, the northern region and the mixed type provide the highest assistances. The rural type and the eastern region have the lowest support. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/71120 |
DOI: | 10.6342/NTU201802092 |
全文授權: | 有償授權 |
顯示於系所單位: | 農業經濟學系 |
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