| 农村金融发展对我国农民收入增长影响实证研究——基于2006-2011年的经验数据 |
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| 引用本文： | 谢玉梅,徐玮.农村金融发展对我国农民收入增长影响实证研究——基于2006-2011年的经验数据[J].湖南农业大学学报(自然科学版),2016(5):89-94. |
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| 作者姓名： | 谢玉梅 徐玮 |
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| 作者单位： | （江南大学 商学院，江苏 无锡214122） |
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| 摘 要： | 根据2006-2011年数据，运用固定效应模型检验农村金融发展对我国及东中西三大经济地带农民收入增长的影响。研究结果显示，农村金融机构人均贷款额的增加、农村金融机构发展效率的提高、农村居民家庭拥有的生产性固定资产原值的增加会对东中西三大经济地带农民增收起到促进作用，增加获得贷款的农户比例也能显著促进农民收入增长（中部地区除外），而单纯增加可发放贷款的农村金融机构比例、提高农村金融机构贷款比例、增加农村金融机构法人机构数量很有可能对农民收入产生不利影响。要想从根本上促进农民增收，应该提高金融机构发展效率、扩大农户贷款覆盖面和人均贷款额度。
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| 关 键 词： | 农村金融 农户人均纯收入 区域差异 |
An Empirical Study on the Impact of Rural Finance Development on Farmers' Income Growth: Based on a Comparison among Eastern, Central and Western Regions of China from 2006 to 2011 |
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| XIE Yu-mei,XU Wei.An Empirical Study on the Impact of Rural Finance Development on Farmers' Income Growth: Based on a Comparison among Eastern, Central and Western Regions of China from 2006 to 2011[J].Journal of Hunan Agricultural University,2016(5):89-94. |
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| Authors: | XIE Yu-mei XU Wei |
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| Institution: | (School of Business,Jiangnan University,Wuxi214122,China) |
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| Abstract: | This paper used fixed effects model to test the impact of rural finance development on farmers'' income growth, with the sample data of the east, central and west regions of China from 2006 to 2011.The results show that the increase of the amount of per capita loan, the improvement of efficiency of rural financial institutions and the increase of the original value of productive fixed assets owned by the rural resident family can increase the farmers'' income during three regions. Simply increasing the proportion of rural financial institutions that can afford issue loans, increasing the proportion of loans of rural financial institutions, increasing the number of corporate bodies of rural financial institutions are likely to have negative impacts on the increase of farmers'' income. To promote farmers'' income, we must improve the efficiency, the proportion of farmers with loans and the amount of per capita loans. And the interests of farmers should be safeguarded effectively by avoiding the loss of rural funds, expanding the coverage and the amount of loans to farmers. |
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| Keywords: | rural finance farmers'' per capita net income regional differences |
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