信贷约束下的农村金融与农村收入分配关系研究

文章建立了一个简单的两期生命周期模型来考察在信贷约束下农村金融与农村收入分配不平等的作用机制。模型结论表明，在存在农村信贷约束的情况下，农村金融的发展能否起到缩小农村居民贫富差距的作用，主要取决于农业投资回报率、农村金融贷款利率和农户进入农村金融市场的成本对比：在其他条件不变的情况下，受农村金融支持的农业投资回报率越高，农村金融贷款利率越低，农户进入农村金融市场的成本越低，则农村金融的发展越有利于缩小农村居民的贫富差距。

Research on the Relationship between Rural Finance and Rural Income Distribution under Credit Restraint

This paper sets a simple two-period life circle model to study the relationship between rural finance and rural income distribution under credit restraint. The model shows that under the eonditions of rural credit restraint,whether the development of rural finance can reduce the level of rural income inequality mainly depends on the ration of agricultural investment return,the credit rate of rural finance and the agrieuhural households＇ entrance cost of rural financial market. Other things being equal, the development of rural finance helps to reduce the level of rural income inequality on the conditons that the ratio of agrieultural investment return is higher, the credit rate of rural finance is lower, and the agricultural households＇ entrance cost of rural financial market is lower.