农村金融发展对农民收入影响的作用机制——基于河南省的实证分析

农村金融发展与农村经济增长密切相关。本文对河南省农村金融发展对农村经济增长和农民增收的作用机制进行了实证检验。研究发现河南省农村金融发展水平仍比农村经济发展相比明显滞后,农村金融发展不足是制约河南省农村经济、农民收入增长的重要因素。

This paper empirically tests the prediction that rural financial development significantly affects the likelihood of farmer’s income hiking. Results from both logit regression analysis and cointegration analysis of rural financial assets and farmers’ income in the last 20 years indicate that rural finance lagged far behind of rural economy in Henan province and thus hold back farmer’s income from increase in line with the economy.