| Scholars began to study the relationship between farmers’ income and agricultural loans and tried to put forward suggestions from the perspective of agricultural loans.Fujian has large area of mountains and water but with low per capita land area and how to improve farmers’income is very important for Fujian.What is the relationship between farmers’ income and agriculture loan in Fujian Province?Whether agricultural loans have improved farmers’ income?What should be done to improve farmers’ income through agricultural loans?Based on these problems,the paper elaborates the contents as follows.The paper elaborates the background,significance,purpose and methods of the research,illustrates the research content and the technical route,and points out the possible innovations and deficiencies of the research.The paper studies literature review.It includes the definition,theoretical basis and relevant researches.By reviewing the related literature of agricultural loans and farmers’ income,the paper keeps track of the overall picture,focuses and updates of the field of research.The paper uses SVAR method and takes Fujian Province as the observation area.The paper describes the situation of agricultural loan and farmers’ income in Fujian Province.The chapter analyses agricultural loans from the perspectives of supply tendency,the suppliers,the demand level,the necessity,and demand-supply contradiction.The paper finds out there were prominent demand-supply contradiction,low efficiency,and high cost.The paper describes farmers’ income from the perspectives of historical trend,Engel’s Coefficient,and Urban-Rural income gap.The paper finds out that although the farmers’ income in Fujian is rising,the overall living standards of farmers need to be improved and Urban-Rural income gap also needs to be narrowed.After the analysis of station,the paper introduces the model,method,data and variables used.The major method used is SVAR.Assuming that that agricultural loans and crop planting area have impacts on farmers’ income,the paper chooses the variables of farmers’ income,agricultural loans and crop planting area of Fujian Province with the data of said three variables from 1990-2015.The following content is analyzing the dynamic impacts of agricultural loans on farmers’ income.This chapter uses relevant data of Fujian from 1990-2015 to build SVAR model,get the impulse response and variance breakdown,and to analyze the responses and impacts that agricultural loans have on farmers’ income.The paper finds out that Fujian agricultural loans have long-term positive impacts on farmer’s income.Increasing agricultural loans,to some extent,can improve farmers’income.On the basis of above analysis,the paper puts forward suggestions in order to promote the growth of farmers’ income.It is important to strengthen agricultural loans,optimize the structure of agricultural loans,enhance the mechanism of mortgage guarantee and risk compensation,and to improve rural financial system in terms of formal finance and informal finance. |
