农村金融发展对农民增收的影响与冲击

Impact of The Development of Rural Financial Impact on Farmers’ Income

从长期均衡关系看,农村经济增长率与农村劳动力转移通过影响农户家庭经营收入与工资收入促进了农民增收;财政支农力度的不足及其内部结构的不合理使其未能促进农民增收;农村金融机构的信贷比率对农民收入呈反向影响说明农民融资不足;农户储蓄比率与前期收入对当前农民人均纯收入的正向影响说明存在金融发展的"门槛效应"和收入的"马太效应";脉冲响应与方差分解则说明促进农民增收的根本因素是农业产业的发展,农村劳动力转移和农户储蓄率虽然短期内可显著提高农民收入,但存在负面的滞后影响,农村金融机构信贷比率以及财政支农力度的不足加重了农户负担。

From the long - run equilibrium relationship, the rate of economic growth in rural areas and the transfer of rural labor farmers＇ income have a significant role in promoting operating income and wage income of ru- ral households. Unreasonable lack of financial support for agriculture and their internal structure leads that it does not become a factor for promoting farmers＇ income. Credit ratio of rural financial institutions has a negative influ- ence on farmers＇ income, which indicates that there is shortage of rural funds. Farmers savings rate and pre - in- come rural per capita net income significantly positive influence indicates there is the ＂Threshold Effect＂ of finan- cial development in China＇ s rural areas and income＂ Matthew Effect＂. Impulse response and variance decomposi- tion indicates that the development of the agricultural industry increases farmers＇ income. Short - term transfer of migrant labor and the household savings rate can significantly improve farmers＇ income but there is a negative lag effect. Lack of rural financial institutions, credit ratios, as well as financial support for agriculture makes it hard for farmers to obtain external financial support but heavier burden on farmers.