四川大学硕士学位论文
最后根据研究结论以及以往成功案例的经验，本文提出以下两点政策建议
1.农村金融机构应当主动顺应竞争形势，从多个方面增加自身竞争力
2.持续拓展农村金融市场并充分挖掘农户需求
关键词：农民收入；农村金融机构竞争；面板数据分析；普惠金融

四川大学硕士学位论文
Study on the Impact of Rural Financial Institutions
Competition on Farmers' Income
Major：Finance
Postgraduate：Wu Renjie
Supervisor：Wang Yue
Abstract:On February 21, 2021, the State Council issued the 'Opinions of the
State Council on Comprehensively Promoting Rural Revitalization and Accelerating
Agricultural and Rural Modernization'.Since 2004, China has issued the Central
Document No.1 with the theme of 'Agriculture, Rural areas and Farmers' for 18
consecutive years.This fully explained that the problems of 'Agriculture, Rural areas
and Farmers' are important issues related to China's economic and social development.
And the ultimate goal of it is to increase the income of farmers.The 19th National
Congress of China proposed to deepen financial reforms, strengthen the construction
of financial services in remote rural areas, promote the diversified development of
financial institutions allow financial services to serve rural development, and build a
complete inclusive financial structure system.With policy inclination and support,
financial institutions in rural areas have developed rapidly in both scale and type,
quickly filling the gap in the lack of financial services in rural areas, and to a certain
extent, promoting the economic development of rural areas. However, with further
development, various financial institutions have begun to compete in various aspects
such as business model, location selection, and product design in order to compete for
limited deposit and loan resources.
In order to study how fierce market competition will affect the income of
farmers,this article describes the basic theoretical analysis-current situation analysis-
empirical analysis-conclusions and suggestions. The specific content is as follows:

四川大学硕士学位论文
1. Through researching the research conclusions of previous scholars,
theoretically summarize the issues related to the competition of rural financial
institutions and farmers' income, and speculate on the influence mechanism of rural
financial institutions on farmers' income.
2. Based on the current situation of competition in rural financial institutions and
the current status of farmers' income, Analyze the development history, development
trend, existing problems and competition degree of rural financial institutions,as well
as the changing trends and main components of farmers' income.
3. By selecting panel data of 31 provinces and cities from 2011 to 2018,Analyze
the relationship between variables through stationarity test and panel cointegration
test,and through Hausman test and F test, the fixed effect model is determined to be
used for analyzing the specific impact of rural financial institution competition on
farmers' income.
Combining the results of data statistics and empirical analysis, this article draws
the following conclusion: With the intensification of competition among rural
financial institutions, the income level of farmers has risen significantly.
Finally, based on the research conclusions and the experience of previous
successful cases, this article puts forward the following two policy recommendations
1. Rural financial institutions should actively adapt to the competitive situation
2. Continue to expand the rural financial market and fully tap the needs of
farmers
Keywords: Farmers' Income; Competition from Rural Financial Institutions;
Panel Data Analysis; Inclusive Finance
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