中国农村二元金融发展对农民收入影响的再考察——基于正规金融与非正规金融视角
Reexamination on the Influence of China's Rural Dual Financial Development on Farmers' Income--Based on Formal and Informal Rural Finance

基于正规金融与非正规金融视角，运用空间计量方法对2003-2010年中国31个省市农村二元分层金融发展的农民收入效应进行再考察。研究结果显示：农民收入、正规与非正规金融均存在显著的空间自相关性。正规与非正规金融的发展均有利于农民收入的增加，但是正规金融的影响效果不如非正规金融明显；农民收入、正规与非正规金融的空间变量对促进农民增收具有显著影响。
Based on the perspective of formal finance and informal finance，this paper applies spatial econometric methods to examining the impact of formal and informal rural finance on farmers' income using the pool data of 31 provinces in China from 2003 to 2010. The results show that the formal and informal rural finance has played a positive role in increasing farmers' income, while the rural informal finance has more obvious effect than rural formal finance. Additionally, the spatial variables of farmers' income, and of formal and informal rural finance have a marked impact on increasing farmers' income.