中文摘要：

基于山西省35个县2100户农户2005年～2010年的微观面板数据,笔者构建了我国农户信贷约束与收入差距间的面板联立系统,估计了农户信贷约束与收入差距间的动态影响机制。数据分析和实证检验均证实了我国农户在正规金融机构的信贷支持上存在约束现象;农户从正规金融机构获得信贷的额度和机会均与其收入水平密切相关,高收入农户在机会和额度上均优于低收入农户。农户收入水平与正规金融机构的信贷约束存在着相互影响的动态作用机制,信贷约束的门槛效应使得农户信贷约束与收入增长存在着动态恶性循环。拓展农户收入增长的渠道,应打破正规金融机构在农户信贷支持上的门槛,以政策倾斜机制来缓解农户正规金融机构信贷上的约束,以金融资源配置效率的提升来缩减农村居民收入差距。

英文摘要：

Based on 2100 rural households from 2005 to 2010 micro panel data, this paper constructs the panel simultaneous system e- quation between household＇ s credit constraint and income gap, and estimates the dynamic effect among them. Data analysis and empir- ical test had proved that the existence of credit constraint of rural households while they loan from the formal financial institution. The limit and opportunity that the households can obtain from formal financial institutions are closely related to its income level, high income farmers are superior to low-income households both in the opportunity and limit. Then, in order to break the credit constraint threshold of the rural household from the formal financial institutions, the government should break the credit obtain threshold, improve the allo- cation of financial resources efficiency.