我国农户融资与农业增长、减贫的实证分析

An Empirical Study on Rural Household Financing with Agricultural Growth and Poverty Reduction

农户融资困境已经成为困挠我国农业增长、阻碍农户收入提高的重要因素。本文运用计量经济理论和模型,在对我国农户融资与农业增长之间的关系进行格兰杰因果检验的基础上,研究我国农户融资对农业增长、减贫的贡献程度。结果表明:我国金融机构农业贷款为农户进行农业生产提供了资金保障,有力地推动我国农业的增长;农业GDP增长也促使了金融机构加大对农户生产贷款的发放。从回归模型的分析结果来看,农户融资对我国农业GDP和农村居民人均纯收入有着直接影响,将会有力地促进我国农业的长期增长和有效地减缓农村贫困、增加农户收入。

The difficulties of rural household financing had already become the important factor, which obstructing our agricultural growth and hindering the increasing incomes of farmers.This article utilized the measurement economic theory and the model, based on the study of Granger causality test between rural household financing and agricultural growth, and analyzed the contribution of rural household financing to agricultural growth, poverty reduction.The results indicated：China agriculture loans of financial institutions provided the fund safeguard of agricultural production for farmers, impelling agricultural growth powerfully; the growth of agriculture GDP also urged the financial institutions to increase their production loans for farmers.Looking from the analysis results of regression model, the rural household financing had immediate influence on agriculture GDP and the per-capita net income of rural people.The rural household financing will promote agriculture long-term growth powerfully, slow down the rural poverty, and increase incomes of farmers effectively.