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中文摘要：
文章利用1978--2009年的统计数据，建立VAR模型研究农村正规金融发展与农民收入的关系。实证结果表明，我国农村金融发展水平和农村金融结构对农民收入有负向影响，农村金融效率对农民收入几乎没有影响。农民收入对农村金融发展水平和农村金融结构没有影响，对农村金融效率有负向影响。
英文摘要：
Based on the statistics data of 1978-2009, we have studied the relationship between development of formal rural finance and famers＇ income by the VAR mode. The empirical results show that the development level and the structure of China rural formal finance negatively effects farmers＇ income. But the efficiency of rural formal finance almost has no effect on farmers＇ income. The farmers＇ income has no effect on development level and structure of rural formal finance, and has negative effect on the efficiency of rural formal finance.
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