农村金融发展对农村居民收入影响的实证研究——以安徽省为例

Empirical Study of the Impact of Rural Financial Development on Rural Residents' Income——Taking Anhui Province as an example

农村金融是农村发展的重要一环,是推动农村经济发展,解决"三农"问题,提高农村居民收入,缩小城乡收入差的关键。利用安徽省1998—2013年的数据,通过多元线性回归模型和VAR模型对金融发展和居民收入关系进行实证分析。结果显示农村金融发展规模指标、效率指标和农业投资力度均对农村居民收入增长有着正向作用,安徽省农村金融发展与农村居民收入增长之间存在着长期均衡关系,农村金融发展能有效提高农村居民收入水平,其中农村金融发展规模指标和农村固定资产投资力度是安徽省农村居民收入增长的单向格兰杰原因。

Rural finance is an important part of rural development.It is the key to promoting rural economic development,solving the problems of agriculture,rural areas and farmers,increasing the income of rural residents and narrowing the income gap between urban and rural areas.Using the data from 1998 to 2013 in Anhui Province,the empirical analysis of financial development and income relationship between residents was conducted through multiple linear regression models and VAR models.The results show that rural financial development scale indicators,efficiency indicators and agricultural investment have positive effects on rural residents'income growth.There is a long-term equilibrium relationship between rural financial development in Anhui Province and rural residents'income growth.Rural financial development can effectively improve rural areas.The income level of residents,including the scale of rural financial development and the investment in rural fixed assets,are the one-way Granger reasons for the income growth of rural residents in Anhui Province.