中文摘要：

本文使用来自中国2006—2009年1877个县（市）的面板数据,实证分析了中国农村普惠性金融发展及其各个维度对农户收入的影响。研究结果表明：中国农村普惠性金融发展对农户收入具有显著的正效应,组成农村普惠性金融的地理渗透性和产品接触性与农户收入正相关,使用效用性和农户收入负相关;从区域层面看,东部地区农村普惠性金融发展和农户收入正相关,而中、西部地区农村普惠性金融发展和农户收入负相关。针对以上的结论,本文就农村普惠性金融发展促进农户收入增长提出了简要的政策建议。

英文摘要：

Based on the panel data from 1877 counties（cities） during the years of 2006-2009,this article uses the index of financial inclusion as a measure,to empirically analyze and compare the income effect of the China＇s rural financial development.The results show that,from the perspective of the whole nation,the development of China＇s rural financial inclusion has had a significantly positive effect on farmers＇income.Geographic penetration and accessibility of product which were components of inclusive rural finance are positively related to household income,while the usage is negatively related to household income.From the perspective of different regions,rural inclusive finance in the eastern regions has had a positive relationship with household income while in the central and western regions it shows the negative correlation.In this regard,this paper made brief policy recommendations on the development of the rural inclusive finance to promote the growth of household income.