农户小额信贷促进农民增收的实证分析——基于江西省波阳县的个案分析

Farmers promote microcredit Empirical Analysis of peasants to increase their income——Based on the analysis of Boyang County,Jiangxi Province

本文从提高农户小额信贷运用的效率,平衡增加农村地区农民收入的角度出发,以江西省波阳县为例,运用普通最小二乘法和SPSS统计软件对农户小额信贷提高农民收入的作用进行了多元回归分析。结果显示,农户小额信贷业务对于增加农民收入确实具有肯定的积极作用。同时,本文还试图按收入对农民分组,从而分析不同收入层的农民使用贷款的效率,发现农民之间运用贷款的效率存在差异,这种差异会加剧农民之间的贫富差距。

This article from the farmers improve the efficiency of the use of microcredit to balance the income of peasants in rural areas, select Boyang County, Jiangxi Province as an example, use of ordinary least squares and SPSS statistical software for farmers microcredit raise the income of farmers role of the multiple regression analysis showed that the microcredit business for the farmers to increase the income of the farmers have an affirmative active role at the same time, the paper also tried to group by revenue to farmers, thus different income stratum of the farmers to use the efficiency of loans and found farmers use between differences in the efficiency of loans, such differences exacerbate the wealth gap between peasants.