新疆农村信用社小额信贷与农户收入增长实证分析

An Empirical Analysis of RCCs Microfinance and Farm Household Income Increase in Xinjiang

农村小额信贷的既有实践是否对增加新疆农户收入有贡献,这是关乎小额信贷如何在新疆农村深化发展的直接经验。本文基于在新疆典型地区实地调研获取的抽样数据,通过建立回归模型,分析得出新疆农村信用社开展的小额信贷与农户收入呈正相关关系,即新疆农村信用社开展的农户小额信用贷款有利于农户收入的增长,并提出新疆农村信用社应扩大农户小额信贷规模、深化农村信用社内控管理、协调与政府关系等方面的建议。

The operation that the rural microfinance increases farm household income becomes the direct experience on how to develop rural microflnance in Xinjiang in the future. The paper, based on the sampling data of typical region Investigation, establishes the return model, and comes to conclusion that RCCs microfinanee is advantageous to the farm household income growth. The paper puts forward the suggestion that the RCCs in Xinjiang should extend the microfinance scale, strengthen an inner - controlled management and moderate the relation with the government.