农村金融发展与农民收入关系研究——基于山东省1978—2012年数据的实证研究

Study on Rural Financial Development and Relationship of Peasants’Income: An Empirical Research based on the Data of Shandong Province, 1978-2012

在山东省1978—2012年时间序列数据的基础上,实证分析了农村金融发展与农民收入的关系。研究认为,全省农村金融发展与农民收入之间存在着长期稳定的协整关系,农业贷款的增加促进了农民收入增长,而农村居民储蓄水平的提高则对农民增收起到抑制作用。基于此,对如何通过发展农村金融来促进农民增收提出政策建议。

This paper is based on the time-series data of 1978-2012 in Shandong province, aims to identify the relationship between rural financial development and farmer income growth. This positive research reveals that there is a long and stable relation between the rural financial development and farmer income growth. The rural financial credit will increase the farmer income, and the rural savings have negative effects on the farmer income. Some policy suggestions are given to promote the farmer in- come growth through Shandong rural financial development.