深度贫困地区金融发展对农民收入的影响研究

Research on the Impact of Rural Financial Development on Farmers’ Income in Deeply Impoverished Areas

以《中国农村扶贫开发纲要(2011-2020年)》中所列14个集中连片特困地区及其所实施的金融政策为例,利用断点回归模型研究农村金融对深度贫困地区农民收入的影响。研究结果显示:农村金融发展对深度贫困地区农民收入具有显著的正向效应;贫困发生率越高的地区,农村金融发展对农民收入的正向效应最大。提出了继续实施扶贫贴息政策,增加贫困地区扶贫贷款项目;大力发展深度贫困地区农业保险事业,积极推进农业保险保费补贴政策,为农业生产经营提供有效保障的建议。

This article used regression discontinuity to study the impact of rural finance on farmers’ income in deeply impoverished areas influences, by taking the 14 concentrated contiguous areas and the financial policies implemented in the "Outline of China’s Rural Poverty Alleviation and Development"(2011-2020) as examples. The research results showed that: Rural financial development had a significant positive effect on farmers ’income in deeply impoverished areas;In areas with higher poverty incidence, rural financial development had the largest positive effect on farmers’ income. In order to achieve greater results in poverty alleviation work in deeply impoverished areas, this article recommended that the government should continue to implement the poverty alleviation policy and increase poverty alleviation loan projects in impoverished areas;to provide effective guarantee for agricultural production and operation.