金融抑制背景下农村金融对农民收入影响的思考

Thinking on the Impact of Rural Finance on Farmers' Income Under the Background of Financial Repression

在我国经济二元结构的大背景下,广大农村地区普遍出现了金融抑制的现象,农村金融的发展对农民收入的增长产生了重大影响。在金融抑制的情况下,农村金融促进农民收入增长的作用主要取决于农业投资回报率、农村金融贷款利率、农户融资成本以及农业投资风险四个因素。结论表明,农业投资回报率越高,农村金融融资利率、农户进入农村金融市场的成本以及农业投资的风险越低,农村金融对农民收入的作用就越明显。

In the context of the dual structure of economy in China,the phenomenon of financial repression is widespread in rural areas,and the development of rural finance has been a major influence on the growth of farmers＇ income. In the case of financial repression,the role of rural finance to promote the growth of farmers＇ income depends mainly on four factors： the agricultural investment return,the rural financial loan interest rate,the farmers＇ financing costs and agricultural investment risk. The conclusion shows that the higher the rate of return on agricultural investment,the lower the cost of rural financial financing; the lower the cost of rural financial market and the risk of agricultural investment,the more obvious influence of the rural finance to the farmers＇ income.