CAJ | 학술논문

基于川渝四个国家级贫困县1985—2011的面板数据,文章实证分析农村金融发展对农户收入的影响。研究结果发现,非农收入、农业收入均与农村金融发展水平之间存在长期稳定的面板协整关系,但是农村金融发展对非农收入和农业收入的影响存在较大差异性,农村金融发展规模和农村金融发展效率对非农收入的影响程度及显著性均强于农业收入,农村金融覆盖密度对非农收入影响显著性较强而对农业收入影响显著性较弱,农村金融发展结构对非农收入和农业收入影响方向完全相反。
기우천투사개국가급빈곤현1985—2011적면판수거,문장실증분석농촌금융발전대농호수입적영향。연구결과발현,비농수입、농업수입균여농촌금융발전수평지간존재장기은정적면판협정관계,단시농촌금융발전대비농수입화농업수입적영향존재교대차이성,농촌금융발전규모화농촌금융발전효솔대비농수입적영향정도급현저성균강우농업수입,농촌금융복개밀도대비농수입영향현저성교강이대농업수입영향현저성교약,농촌금융발전결구대비농수입화농업수입영향방향완전상반。
Based on the panel data among 1985 to 2011 from Sichuan and Chongqing＇s four national poverty counties, the present paper analyzes the influence of the rural finance on farmer income. Research result shows that there is panel co-integration between non-agricultural income and rural financial development and there is panel co-integration between agricultural income and rural financial development also. But the effect of rural finance on non-agricultural income and agricultural income is different. The scale and efficiency of rural financial all have positive impact on non-agricultural income, but the impacts on the agricultural income are significantly smaller. Non farm income effect of the density of rural financial is more significant than agricultural income effect. Effect of rural finance on non-agricultural income and agricultural income are completely opposite.