中文摘要：

基于多变量协整检验与误差修正模型研究农村不同类型资金对农民收入增长的影响，结果表明，农村正规金融机构贷款增加长期内有利于农民增收，但短期抑制。其中，农业发展银行的政策性贷款对农民增收效果显著，而农业银行与农村信用社支农效果不明显；民问借贷长期促进农民增收，短期则有轻微的抑制作用；而财政支农支出长期促进农民增收，短期效果不明显。

英文摘要：

In this paper, we study the effects of different types of funds on farmersJincome growth with co- integration test and error correction model （ECM）. The results show that the formal financial in rural areas is in favor of rural incomes growth in the long time, but has a inhibitory effect in the short time. The Agricultural Development Bank loans have a significant effect on farmers＂ income growth, but the impact of the loan that both of the Agriculture Bank of China and Rural Credit Cooperative on farmers＇ income growth is not significant in statistics. Meantime, private lending increases farmers＇ income in the long time, but it has a slight inhibitory effect in the short time. White fiscal expenditure has a promoting effect on farmers＂ income growth in the tong time,but the effect is not obvi- ous in the short time.