| Agriculture is the foundation of national economy. A sustainable and stable increase of agricultural investment is related to not only agricultural production but also former income and social stability. Finance, as the core of modern economy has a more and more important role in supporting rural economy development and farmer income incense under the deepen process of system reform, rural finance changed the roughly in organization installation, operation and management, operating mechanism. know to form a good interaction aiming to prospering development of rural finance and increase of farmer income, is an issue needed to be solved.Based on definition of relevant concept, this dissertation reviews the literature development of rural finance this paper offer a thoroughly analysis on problems arises in the process of rural finance development thought the perspectives of farm household. Discapakle supporting is the main reason for slowly development of farmer income, which declares why rural finance development has not enhanced the increase of farmer income. Both experiences from home and abroad, and cemented of reform are considered in order to design ineffective mechanism to enhance farmer income increase. A coordination of farmer income increase and rural finance development through an most effective and forceful method is do cussed and followed by path selection of rural finance development to chance farmer in come income increase, This dissertation includes seven chapter.Chapter 1. Introduction. This chapter mainly relates the background aim, and meaning. Through review of literatures on rural finance development (RFD) and farmer income increase(FII) is offered and defect is analyzed. With the deepen process of rural finance reform, research should be directed from static paralysis to dynamic one from retraction analysis to mechanism and control analysis. Research thought, method, and possible contributions are followed.Chapter 2. Theory of RFD and FII in China. This Chapter is the theoretical foundation of the dissertation. Financial development theory is reviewed firstly, which inches financial deeding theory and financial structure theory. Secondly reviewed theory is rural finance development theory which mainly includes agriculture subsidized credit paradigm. Rural financial market paradigm and imperfect market paradigm. Relation of rural finance development and farmer income increase is analyzed thought institution a structure perspectives constraints of contribution from RFD to FII is mainly raised from drawbacks of RFS in China, Disorder of structure and function of RF in China loads to low effectiveness of RFS. RFF in arrant china is enhanced Influences of RF to FI coulee enhance.Chapter 3. An empirical analysis on relation of RFD and FII in China. Reasonable path to promote rural economic growth could be found when relationships of rural finance development and economic growth were discussed. Based on time serial analysis, the relationships between the financial development and economic growth in China over the period 1978─2004 was researched. The results show that there is a long run equilibrium relation between rural financial development and economic growth. The Granger Causality test indicates that rural financial development is a Granger cause of rural economic growth and rural economic growth is not a Granger cause of rural financial development. A serial of recommendations were put forward to promote the harmony development of rural finance and rural economy, such as (i) regulating and developing informal finance, (ⅱ) propelling rural financial market to develop soundly, (ⅲ) enhancing support to rural credit.Chapter 4. Relation analysis of Formal RFD and FII in China. FII from reform and is coerlieued and situation of FII is analyzed. This chapter proposes the fundamental problem curbing FII is resource allocation dissertation of history and mechanism. Difficulties of RFF are related and the root is low affectivity of rural finance market. Beaten on game theory, evolution process of RF credit market is analyzed hourly, which offers a solution to RFFD.Chapter 5. .Relation analysis of Informal FD and FII in China: Theory and policy. This chapter analyzes the reason of informal RF existence, and suggests institution is the main cause influencing informal RFD. Forming mechanism of informal RF is related from perspectives of demand and supply. Credit contract model is designed to analyze the influence of informal RF to FII. Policy accommodations are followings (i) enhancing the direction from government (ii) opening the market, (iii) instituting micro-credit organization.Chapter 6. On mechanism of RFD to Stimulate FII. Unreasonable institution is the key to influence FRD to FII. This chapter proposes the intervention of local government is the main reason, after the analysis of government position in RFD. This chapter analyzed the mechanic of Rural credit cooperatives, Agricultural Bank of China, and Agricultural Development comment Bank of China, in order to dosing an mechanism to enhancer FII.Chapter 7. Policy sugestions on RFD to enhacing FII. External factor is necessary although inker rule existed. Because the relation of RFD and FII is former in specific policy and system, the reform should be a system change on a serial of policy institution. The general idea of path selection to tenacity RFD is suggested as follows: (i) change the supporting policy to form credit from government, (ii) perfecting financial ecology of rural finance, (iii) enhancing supervision on rural finance, (IV) resolving, financial risk. This path should direct the RFD to chancing FII.
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