农村非正规金融与正规金融对农民收入增长影响的实证分析  

and informal finance in rural areas

作　　者：王君宇[1] 

机构地区：[1]哈尔滨商业大学,哈尔滨150028

出　　处：《经济研究导刊》2016年第14期37-38,共2页Economic Research Guide

摘　　要：运用多元线性回归模型,收集了我国30个省2003—2010年的面板数据,以政府的财政支农、农村的固定资产投资水平为控制变量,以农村非正规金融发展水平和农村正规金融发展水平作为解释变量,对农民人均纯收入的影响进行了实证分析。结果显示,农村非正规金融发展水平对各地区农民人均纯收入有显著的促进作用,农村正规金融发展水平与各地区农民人均纯收入有显著的正相关性,但显著性不如农村非正规金融发展水平;国家财政支农与各地区农民人均纯收入存在正相关性,固定资产投资水平与各地区农民人均纯收入显著负相关。在此基础上,就如何规范非正规金融发展水平来提高各地区农村居民家庭人均纯收入提出些有益见解。Using multiple linear regression model, the panel data collected in 30 provinces in China from 2003 to 2010, the government＇s financial support for agriculture, rural areas and the level of investment in fixed assets as control variables, the level of rural non formal finance development and the rural formal financial development level as explanatory variables, the influence of the per capita net income of farmers an empirical analysis. The results show that the rural informal financial development level has significant effect on per capita net income of farmers in different regions, there is significant positive correlation between the level of per capita net income of farmers and rural formal financial development in different areas, but significant than the rural informal financial development level; per capita net income of farmers in the state of financial support for agriculture and the there was a positive correlation between the area, per capita net income of farmers, the level of investment in fixed assets and regions had significantly negative correlation. On this basis, on how to regulate informal finance To improve the development level of per capita net income of Rural Households by region put forward some useful opinions.

关 键 词：农村非正规金融 农村正规金融 收入效应 

分 类 号：F832.7[经济管理—金融学]