改革开放以来农村金融发展对农民收入结构影响的实证分析

Empirical Study of the Effects of Rural Financial Development on the Farmers' Income Structure since the Reform and Opening-up

'三农'问题的核心是农民收入增长缓慢。文章基于农民收入来源结构,实证分析了1978~2008年我国农村金融发展对农民收入的影响。结果表明,农村金融发展对农民家庭经营收入起负向作用,而农村金融发展结构能提高农民的工资性收入水平。故应从加大政策性银行支农和增加乡镇企业贷款额度的角度着手,提高农民的收入水平。

The slow increase in farmers' income is the core issue for agriculture,countryside and farmers.Based on the structure of farmers' revenue sources,the paper examines the effects of rural financial development on the farmers' income from 1978 to 2008.The results show that rural financial development has had a negative impact on the farmers' income from household operations,while the structure of rural financial development can increase the level of wage income.Therefore,the farmers' income level should be promoted by providing the policy-banks support for agriculture and increasing the credit line of the township and village enterprises.