| On February 4,2018,the 20 th since the reform and opening up,the new century in the middle of the 15 th guides the work of "agriculture,rural areas and farmers" a launch date file,the file to implement the strategy of rejuvenating the country has carried on the comprehensive deployment,emphasis on accelerating rural economic development,to further broaden the channels of increasing farmers' inco me,continue to narrow the gap between urban and rural residents' living standards.As an important support for rural economic development,the development of rural finance has attracted the attention of government and scholars.Because of rural formal financial institutions it is difficult to meet the diverse needs of the farmers,informal finance is one of the important channels of financing,C hinese farmers to improve the financing efficiency,but its influence on farmers' income growth in China,domestic and foreign scholars have different results.In this context,this article through the C hina statistical yearbook of investment in fixed assets,C hina rural statistical yearbook and the data collecting and organizing the national bureau of statistics web site,build panel data model,concluded that the informal finance,productive equipment,agricultural machinery total power impact on farmers' income in China is more significant in statistics,and the regional difference factors impact on farmers' income gap is larger.This paper is divided into five parts.Firstly,it introduces the background and significance of the topic selection,literature review,structure arrangement and innovation.Developing countries of the financial system can be divided into formal finance and informal finance,the current our country's financial system are mainly composed of formal financial,rural formal financial institutions in our country mainly include the agricultural development bank of China,rural credit cooperatives,and the agricultural bank of China.Literature review is carried out from domestic literature review and foreign literature review.Secondly,on the rural informal financial theory and the relationship between the farmers' income,including the concept,development of informal finance policy background,the rise of motivation mechanism and its influence on farmers' income growth.Domestic academia for the definition of the concept of informal finance also have no unified standard,the author believes that the rural informal finance should include the following meanings: first,informal financial only appeared in the implementation of financial control of countries and regions,if a country's financial liberalization completely,there is no formal finance a nd informal finance.Second,the rural informal amount of transaction is not able to meet the financing needs of farmers and rural enterprises through the formal financial sector.Finally,informal financial activities are not regulated and protected by laws and regulations.Again,to our country rural informal finance and the current situation of farmers' income were analyzed,and the analysis of the rural informal finance mainly from the existence of the informal financial form,size and the analysis of t he three aspects of the resistance of the development.The existence of informal finance in rural areas of China mainly includes private lending,meeting,silver back and private bank and agricultural cooperation foundation.Then,through panel data model to analyze our country rural informal financial impact on farmers' income growth,eventually come to the conclusion that the informal finance,productive equipment,agricultural machinery total power impact on farmers' income in C hina is more significant in statistics,and the regional difference factors impact on farmers' income gap is larger.Finally,strengthen rural formal finance and informal finance cooperation,formulate corresponding laws and regulations,strengthen the rural informal financial regulation,improve the rural informal financial credit system and so on several aspects of the countermeasures and Suggestions. |
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