摘要
奶产业是现阶段宁夏地区特色产业经济发展的重要组成部分，奶产业的发展水平
很大程度上影响了宁夏本地区的经济发展水平，奶产业作为宁夏农业结构优化调整的
重点产业，按照党的十九大“乡村振兴，质量兴国”的战略部署和《中共中央国务院
关于开展质量提升行动的指导意见》，农业农村部启动了“农业质量年”的活动，虽
然奶产业是宁夏农业优势五大战略性主导产业之一，但是奶产业的高速发展中，金融
对于宁夏奶产业的支持明显不够，所以，打破宁夏奶产业的金融支持困境就显得尤为
重要。
本文采用实地调研和计量分析相结合的方法，以宁夏奶产业发展和产业链金融为
研究对象，深入探讨了宁夏奶产业发展的金融支持问题，本文的研究内容主要有：一
是介绍宁夏奶产业发展以及本地区奶产业金融支持的基本情况和现状；二是对针对奶
产业的现状进行分析，主要对源头的奶牛养殖业，中间部分的奶产品的加工进行分析，
进而总结宁夏奶产业融资需求具有融资规模大，融资周期长等特点，然后通过构建二
分类Logistic回归模型来主要分析分析奶产业链条中奶牛养殖的融资需求，得出相关
结论；三是从政府、银行、保险等方面分析了现阶段金融支持的困境；四是提出设立
“奶产业风险基金”的对策方法。
关键词： 奶产业，风险基金，金融支持，宁夏
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Abstract
Milk industry is an important part of the economic development of characteristic
industries in Ningxia at the present stage. The development level of milk industry has a
great impact on the economic development level of Ningxia. As a key industry for the
optimization and adjustment of agricultural structure in Ningxia, according to the strategic
deployment of "Rural Revitalization and national rejuvenation by quality" of the 19th CPC
National Congress and the guiding opinions of the CPC Central Committee and the State
Council on carrying out quality improvement actions, The Ministry of agriculture and rural
areas launched the activity of "agricultural quality year". Although the dairy industry is one
of the five strategic leading industries with agricultural advantages in Ningxia, the
financial support for Ningxia's dairy industry is obviously insufficient in the rapid
development of the dairy industry. Therefore, it is particularly important to break the
financial support dilemma of Ningxia's dairy industry.
Using the method of field investigation and econometric analysis, taking the
development of Ningxia dairy industry and industrial chain finance as the research object,
this paper deeply discusses the financial support for the development of Ningxia dairy
industry. The main contents of this paper are as follows: first, it introduces the
development of Ningxia dairy industry and the basic situation and current situation of
financial support for Ningxia dairy industry; The second is to analyze the current situation
of the dairy industry, mainly the dairy farming industry at the source and the processing of
dairy products in the middle, and then summarize that the financing demand of Ningxia
dairy industry has the characteristics of large financing scale and long financing cycle, and
then mainly analyze the financing demand of dairy farming in the dairy industry chain by
constructing a binary logistic regression model, and draw relevant conclusions; Third, it
analyzes the difficulties of financial support at the present stage from the aspects of
government, bank and insurance; Fourth, put forward the countermeasures and methods of
establishing "milk industry risk fund".
Keywords: Milk industry,risk fund,financial support,Ningxia
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目录
第一章 引言.........................................................................................-6-
第一节 研究背景及意义........................................................................................-6-
第二节 文献综述及理论基础................................................................................-7-
第三节 研究的主要内容、技术路线及方法......................................................-13-
第四节 研究的创新点和不足之处......................................................................-14-
第二章 宁夏奶产业发展及金融支持分析.............................................-15-
第一节 宁夏奶产业发展概况和现状..................................................................-15-
第二节 宁夏奶产业金融支持现状......................................................................-20-
第三节 宁夏金融支持服务模式..........................................................................-24-
第四节 本章小结..................................................................................................-25-
第三章 宁夏奶产业金融支持困难及原因分析.....................................-26-
第一节 宁夏奶产业金融支持的困难..................................................................-26-
第二节 宁夏奶产业发展金融支持困难产生原因分析......................................-28-
第三节 本章小结..................................................................................................-30-
第四章 宁夏奶产业金融需求分析.........................................................-32-
第一节 奶产业链上游养殖业金融需求分析...........................................................................-32-
第二节 宁夏奶产业链上游金融需求影响因素实证分析.......................................................-36-
第三节 宁夏奶产业链下游金融需求分析...............................................................................-40-
第五章 奶产业金融支持的案例及对宁夏的启示.................................-43-
第一节 “托牛入场”信贷模式...............................................................................................-43-
第二节 “活体奶牛抵押”贷款模式.......................................................................................-44-
第三节 “出租奶牛”模式.......................................................................................................-46-
第四节 经验借鉴与启示...........................................................................................................-47-
第五节 本章小结.......................................................................................................................-48-
第六章 宁夏奶产业金融支持发展对策建议.........................................-50-
第一节 设立新型宁夏奶产业风险担保基金......................................................-50-
第二节 丰富宁夏本地金融市场供给..................................................................-55-
参考文献....................................................................................................-58-
致谢............................................................................................................-61-
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。。。以下略