CAJ | 학술논문

国内外诸多研究证明，充足的金融资本是一国经济增长的最主要因素之一。有研究认为，这一结论在我国农村也适用，本文运用协整理论和VAR模型，对农村居民户均贷款与户均纯收入的关系进行实证分析。研究证明，在短期内贷款与农户收入之间不存在格兰杰因果关系。而通过脉冲响应函数和方差分解进一步描述农户生产性贷款与生活性贷款对收入的影响，结果表明生产性贷款对收入的促进作用是生活性贷款的3倍，但从整体上来看，两种贷款对收入的影响作用很有限。
국내외제다연구증명，충족적금융자본시일국경제증장적최주요인소지일。유연구인위，저일결론재아국농촌야괄용，본문운용협정이론화VAR모형，대농촌거민호균대관여호균순수입적관계진행실증분석。연구증명，재단기내대관여농호수입지간불존재격란걸인과관계。이통과맥충향응함수화방차분해진일보묘술농호생산성대관여생활성대관대수입적영향，결과표명생산성대관대수입적촉진작용시생활성대관적3배，단종정체상래간，량충대관대수입적영향작용흔유한。
Many domestic and overseas studies prove that adequate financial capital is one of the most important factors to a country ’ s economic growth .Some researchers believe this conclusion can also be used in the present stage of China ’ s rural areas , but the author ’ s research shows that loans increased to the leading role of farmers ’ income are quite limited , there is no Granger causality between the two .This paper uses Cointegration Test and VAR model to analyse the relationship between the worth loans and worth of net income .Research shows that in the short term loans to farmers income , there is no Granger causality .Through the impulse response function and vari-ance decomposition to further describe the effects of productive loans and loan to income , productive loan to income effect is 3 times the life of the loan , but on the whole , the two kinds of loans to the income effect is very limited .