我国农村金融发展对城乡收入差距的影响

The Impact of China's Rural Financial Development on the Income Gap Between Urban and Rural Areas in China

我国城乡发展失调,有历史、政策、制度、金融等方面的原因。经济发展与金融发展密切相关。农村金融的发展能够有效提升农村地区资本的集聚,带动该地区资源配置效率与技术的提高,从而推动农村地区的经济发展,增加农民经济收入。为此,应制定适合农村金融发展的政策制度,扩大农村资金投放,制定农村金融激励制度,取消金融机构对农民的贷款门槛等,以抑制城乡差距继续扩大。

There are many reasons in the aspects of history, policies, system and finance for urban and rural areas imbalance in China. But financial development is a very important factor in them. The development of rural finance can upgrade the capital integration in rural areas and promote the efficiency and technology of resource allocation in the region, so as to promote the economic development. of rural areas and increase the economic income of farmers. Therefore, we should formulate suitable policies for the development of the rural financial system, expand the rural capital investment, develop rural financial incentive system, lower the the threshold of financial institutions loans to farmers, so as to narrow the gap between urban and rural areas.