目录
摘 要 II
关键词 II
ABSTRACT III
KEY WORDS III
一、引言 1
二、文献综述 2
（一）涉农贷款有利于农民收入的增长 2
（二）涉农贷款不利于农民收入的增长 3
（三）涉农贷款与农民收入之间并无明显关联 3
三、数据与变量选择 4
（一）数据来源 4
（二）变量选择 5
1. 农民收入水平指标 5
2. 农村金融发展水平指标 5
3. 农村劳动力中从事农业劳动人员占比 5
4. 农村农户固定资产投资额 5
5. 农业总产值 5
四、模型与实证分析 6
（一）模型设定 6
（二）描述性统计与分析 7
（三）实证分析 8
五、 研究结论与政策建议 9
（一）研究结论 9
（二）政策建议 10
参考文献 12
致谢 13
涉农贷款种类对农民增收幅度影响的研究
摘 要
涉农贷款的种类普遍意义上认为分为三种，分别为农村贷款、农户贷款和农林牧渔贷款。涉农贷款作为2007年后才缓慢兴起的一种新兴贷款形式，对我国农民的发展起着重要的影响。近年来，政府长期把目光聚焦在农村发展说，想要发展农村经济，必须优先解决好三农问题。但是三农的发展免不了资本的投入。由于农业资本的局限性，涉农贷款对三农的发展起着不可取代的重要作用。由于目前已有大量对涉农贷款对农民收入影响的研究文献。本文将着重从涉农贷款的三类贷款即农村贷款、农户贷款和农林牧渔贷款是否分别对农民收入增收幅度有不同影响研究分析。
引言
引言
A Study on the Effect of Agricultural Loans on Farmers Income Increase
ABSTRACT
The types of agricultural loans are generally considered to  *51今日免费论文网|www.51jrft.com +Q: ^351916072# 
be divided into three types, namely rural loans, loans for farmers and loans for agriculture, forestry, animal husbandry and fishery. Agriculturerelated loans, as an emerging form of loans that only slowly emerged after 2007, have an important impact on the development of farmers in China. In recent years, the government has focused its attention on rural development for a long time, saying that in order to develop the rural economy, priority must be given to solving the three rural issues. However, the development of agriculture, rural areas and farmers cannot avoid capital investment. Due to the limitations of agricultural capital, agricultural loans play an irreplaceable role in the development of agriculture, rural areas and farmers. Because there is a large amount of research literature on the impact of agricultural loans on farmers income. This article will focus on the research and analysis of whether the three types of loans related to agriculture, namely rural loans, rural household loans and agricultural, forestry, animal husbandry and fishing loans, have different impacts on the income growth of farmers.
This article will be divided into two main parts: introduction and body.
The introduction mainly describes the research background of this article and the existing series of related research theories and conclusions. Through these existing theoretical guidance to explain the subsequent analysis. The empirical analysis in this paper mainly uses panel data model for regression analysis with the help of production function. And then determine whether the type of agricultural loan as the research object has a significant impact on farmers income, and if relevant, whether it is positively related. Determine the required variables according to the theoretical basis, and then confirm the data required by the variables. After analysing the impact of the three types of agricultural loans on farmers income, the corresponding policy recommendations are proposed, that is, to increase the proportion of rural household loans with a more positive impact or increase the amount of rural household loans.

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