The Research On Effect Of Peasant Households Loan On Their Income

China is a great power of agriculture with a large population. A number of rural populations are the main consumer group of our country. So the fundamental reality of the country is that rural economy accounts for a big proportion in national economy. In addition, the rural consumption can stimulate our domestic economy. According to calculation of National Bureau of Statistics, rural consumer spending one yuan will bring two yuan for the demand of the whole national economy. Therefore, expanding rural consumption in every aspect has the extremely important significance. However, if we want to expand the rural consumption, increasing the income of rural populations is an essential measure. Moreover, the development of economy is an important premise of income increasing.As a method of poverty relief and development, peasant households has promoted the development of rural economy market and developed rapidly after being imported to China. This article takes the rural poor households as the research object, and chooses the rural households in Yu’ an District of Lu’an as samples. Then, it summarizes the achievement, the shortcomings and the matters needing attention of reform and innovation through these years. On the basis of theoretical analysis, after collecting information and combining with professional knowledge, the author states the relationship between peasant households and rural income by using regression analysis with the purpose of finding the reasons for affecting the rural income increasing. This article puts forward some constructive policies and advises.The article has six chapters. The main contents of each chapter are as follows:The first chapter is introductory theory. It states the research backgrounds, research purpose, research significance, research frame and research contents. The literature review at home and aboard mainly involves the scholar and specialist’s research on the effect of rural credit on the development of rural economy, and whether the peasant households makes an effect on the income of rural households.The second chapter is the theoretical part of the article, and it is the theoretical basis of the whole article’ research. This chapter defines the related conceptions at the very beginning. Then it states the rural finance theory including:agriculture financing, rural finance market and imperfect competitive markets. Finally, it states the two theories:theory of economic growth and theory of national income distribution.The three chapter analyses the development status of rural peasant households in Yu’ an District. After analyzing it gets a conclusion that the rural per capita income increases by years under the support policies of the country. Then it analyses the factors affecting the rural income after carrying out correlation analysis on the income status. The contents of this part prepare for the empirical analysis of the following section.The four chapter mainly includes the empirical analysis of the effect of peasant households on the rural income in Yu’ an District. This chapter analyses the impact of rural income which each influence factors has made by using statistics analysis software. After analyzing, it confirms the rural income has been affected by per capita peasant households loan amounts, employment structure of farmers and agriculture products price and so on.The five chapter is the policy and advice of improving the effect of peasant households loan.The six chapter is the research conclusion and prospect.