Research On The Relationship Between The Rural Financial Services And The Farmers’ Income

As the centre of modern economy, finance can improve the efficiency of the allocation of resources and optimize the distribution of social resources, financial services is influencing all aspects of our social economy. At present, our country is facing the grim problem of "agriculture, rural areas and farmers", one of the keys to solve this problem is improving the farmers’ income, which cannot separate from the development of rural finance. As an important indicator of financial development, what kind of relationship between rural financial services and farmers’ income? Whether the level of rural financial services has been significantly improved? Whether it is able to promote the growth of farmers’ income, and how about the degree? So it has great realistic significance to explore the relationship between the rural financial services and the farmers’ income.This paper presents a basic theory that to research the relationship between the rural financial services and the farmers’ income. The following is basic idea of the article: First, the theory of rural financial services will be introduced, the method and index of measuring rural financial services will also confirm; Second, the economics index of rural financial services will be selected, and the level of China’s rural financial services will be measured by the SPSS software; Third, the correlation of China’s rural financial services and the farmers’ income will be explored by empirical analysis; Finally, conclusions and suggestions will be presented.The contents and conclusions of the text are as follows:(1) There are seven indicators to measure the level of rural financial services in this article. And the results show that the level of rural financial services enhances unceasingly after a long period of development. However, there are many things should be done in the vast rural areas in order to improve the farmers’ income.(2) China government made great progress on the rural economy in decades, and the farmers’ income is also increasing. However, there are problem to be solved, for example the slow growth rate and the great income gap.(3) The results of empirical Analysis: there is a certain relationship between rural financial services and the farmers’ income; The rural financial service level has a significant positive effect on the farmers’ income; The farmers’ income has a positive effect on the rural financial service level, but it is not obvious.