Empirical Analysis on Rural Financial Development and Farmers' Income Increase in China

The growth of farmer＇s incomes is cIoseIy reIated to rural finance. The research analyzed the dynamic reIationship of rural financial deveIopment, efficiency and farmer＇s incomes based on VAR modeI, and the resuIts indicated that the ex-pansion of rural finance wouId stimuIate farmer＇s incomes in a Iong term, and the growth of rural financial efficiency significantIy improves farmer＇s incomes in a short term, instead of a Iong term. Hence, it is necessary to introduce more credit funds and social funds to rural areas, deepen rural financial system reform and acceIerate use rate of Ioan capital and enhance guidance for farmers and township enterprises in use of Ioan capitals.

政府财政补贴对农民养老保障水平的影响机制分析——以西藏的新农保为例

文章基于财政补贴效应理论,考察了新农保制度中政府财政补贴对农民养老保障水平的影响机制,即政府财政补贴是通过收入调节效应和乘数效应分别影响参保农民的养老金以及参保后的消费水平,并对新农保制度中政府财政补贴影响农民养老保障水平的力度进行了实证模拟分析。研究结果表明:政府财政补贴是提高农民养老金领取水平的主要因素,有利于提升农民的消费水平;但由于地方政府财政补贴数额低、对不同档次的缴费标准给予的补贴差额小,这样的补贴标准不利于吸引农民选择较高的缴费档次。因此,完善新农保制度,加大各级政府财政补贴力度,使不同缴费档次、缴费年限的补贴程度差异明显化是提高农村养老保障水平、促进消费的重要举措。