四川大学硕士学位论文
助。
在对国内外文献的整理归纳中得出，农村金融发展和农民收入有一定的关
联性，大致分为三种观点：一是农民收入受农村金融发展影响，且为同向关系；
二为农村金融发展水平对农民收入具有负面作用；三为农村金融发展和农民收
入的关系表现出倒 U型。基于第一种观点，论文具体解释了有关农村金融和农
民收入的相关理论，按照其发展历程，阐述在我国各农村金融理论适用背景和
概况。基于江西省农村金融和农民收入的当前的情形，发现农村金融发展取得
了一定的成绩，但在供求水平上还存在弊端，农民收入与城镇居民收入数量之
间的鸿沟一直存在。继现状情况以图像表格和文字描述之后，实施了时间序列
实证分析以及面板数据实证分析进行验证。前者的实证分析中，论文选取了江
西省 1996年至 2018年农村金融发展水平和农民收入的数据，通过平稳性检验、
协整检验和格兰杰因果关系检验，对农村金融发展与农民收入之间存在单向因
果关系进行了检测证明，并且发现，在农村金融发展的相关因素中，农村金融
发展效率的变化对农民收入产生作用力，且农村产业结构该控制变量以及金融
危机影响该虚拟变量，也对农民收入同样产生单向影响。反观农民收入受到农
村金融发展结构和财政支持强度的作用力并不明显。后者以面板数据作为主要
实证分析，其中选取了 2009年至 2018年全省 6个城市的面板数据，经过系列
检验，得出了固定效应模型进行面板数据回归，得出结果，并对结果进行稳健
性检验，最终实证结果显示，农民收入会随着农村金融发展规模的扩张而上升，
而农村金融发展结构的正向作用不利于农民收入增加，农村金融发展效率变动
引起农民收入同向变化，但对农村金融结构的影响较弱。
通过理论分析、农村现状分析和实证分析，论文提出以下建议：一是加快
农村金融机构布局，促进农村金融发展规模稳步增长；二是促进农村金融机构
合作，提升农村金融结构金融发展；三是提高农业财政支出效率，加大贫困地
区农业财政支出力度；四是完善农村金融体系，金融市场能有效提高农村金融
效率；五是加速乡镇企业发展，推动农村产业结构完善。
关键词：农村金融发展；农民收入；乡村振兴；面板数据
II

四川大学硕士学位论文
Study on the Impact of Rural Financial Development
on Farmers ' Income
—— Panel data analysis based on 6 cities in Jiangxi
Province
Major：Finance
Postgraduate：Chen Wei
Supervisor：Wang Yue
Abstract：Following the victory of poverty alleviation, rural revitalization is a
historic shift in the focus of work on agriculture, rural areas and farmers. If we want
to achieve the goal of rural revitalization, it will definitely start from the key aspects
such as agriculture, rural households and rural finance. And the development of
agriculture, changes in rural environment and the improvement of farmers ' living
standards are closely related to rural finance and rural infrastructure. Rural
revitalization includes the improvement of economy, ecology, society, culture,
science and technology, education, life and the quality of farmers. In economy, the
development situation of rural revitalization is analyzed, and farmers ' income is one
of the important indicators to test the completion of rural revitalization. Therefore,
the increase of farmers ' income is closely related to the development of rural
finance. Since the birth of the people's Republic of China, agriculture has been a
major pillar industry in China. The development of rural finance has gradually
become popular. The State Council has listed rural finance as an important topic,
formulated relevant policy recommendations, established a research group, and
carried out regional rural finance research. We should overcome the relevant
problems, provide theoretical support for the development of rural finance,
III

四川大学硕士学位论文
cooperate with the policy response, give practical help, and share the experience of
the pilot areas to more poor areas, so as to form the integration effect. Not only on
the theoretical basis, but also from the policy content, we can understand that the
government's goal is to build the rural financial market, promote the development of
rural finance, promote the increase of farmers' income, change the poverty of
farmers, make farmers' living environment better, and realize the revitalization of the
countryside.
Jiangxi Province, located in the central region of China, is one of the major
agricultural provinces in China. However, there are inevitably problems concerning
agriculture, rural areas and farmers. Compared with the same developed agricultural
areas in Northeast China and Southwest China, the rural development in Jiangxi is at
a lower level. There are problems of disordered supervision of rural financial market
and poor system efficiency, but also in the imbalance of rural residents' income and
urban residents' income. Therefore, this paper studies the impact of rural financial
development on farmers' income level, analyzes the current situation of rural
financial development in Jiangxi Province, and provides constructive help for the
development of three rural industries in Jiangxi Province.
In the summary of domestic and foreign literature, it is found that there are
three main views on rural financial development and farmers' Income: Firstly, the
level of farmers' income is negatively affected by the progress of rural financial
development; Secondly, the level of rural financial development has a negative
effect on farmers' income; Third, the relationship between rural financial
development and farmers' income shows an inverted U-shape. Based on the first
viewpoint, this paper comprehensively explains many theoretical studies on rural
finance and farmers' income, and shows the development path of rural finance
theory in China according to the development course of important theories.
Combined with the current situation of rural finance and farmers' in Jiangxi Province,
we found that rural financial development has made some achievements, However,
there are obvious defects in supply and demand. Farmers' income is rising, but
IV
。。。以下略