Efficiency Evaluation And Analysis Of Influencing Factors Of Microcredit Promoting Farmers’ Income Increasing

“Three Rural Issues” is still a major issue related to China’s economic and social development.If we fundamentally solve it,and we must put the solution of the problems of low peasant incomes and large income gap between urban and rural areas in an important position,and actively implement the rural revitalization strategy,and promote peasants’ income increase.Microcredit plays an important role in solving farmers’ capital needs,promoting farmers’ development of industries,and increasing farmers’ income.Therefore,exploring the efficiency and influencing factors of microcredit in promoting farmers’ income is an issue that needs further analysis and discussion.Based on the perspective of farmers’ income increase,this paper defines the efficiency of microcredit,reviews the literature on microcredit efficiency at home and abroad,and evaluates and analyzes the efficiency and influencing factors of microcredit in promoting farmers’ income in China,the main core content is divided into two parts.The first part is to construct the efficiency evaluation index system of microcredit to promote farmers’ income,use the three-stage super-efficiency SBM model to measure the efficiency of microcredit to promote people’s income,and analyze its mechanism and spatio-temporal characteristics.The conclusions are as follows: 1.The effect of microcredit in promoting farmers’ income in China is becoming more and more significant.2.The efficiency of microcredit is dominated by pure technical efficiency.3.The efficiency value of microcredit varies significantly within provinces.4.Environmental factors significantly affect the efficiency of microcredit.5.The efficiency of microcredit as a whole shows a gradual decrease from the east to the west.The second part is to construct the index system of influencing factors of microcredit efficiency,use the Tobit model of the panel to compare and analyze the influencing factors of microcredit efficiency in different regions of China from different angles,and explore the influence path and spatial difference characteristics of influencing factors on the efficiency of microcredit in promoting farmers’ income.The results show that: From an overall perspective,the impact of the total output value of agriculture,forestry,animal husbandry and fishery,the number of rural population,the per capita cultivated land area of rural areas,and the ratio of per capita disposable income of urban and rural people on the efficiency of microcredit in China is only not significant in rural areas,and the rest are significant.From a local perspective,there are regional differences in the impact of the four influencing factors on the efficiency of microfinance.Finally,based on the above conclusions,relevant policy suggestions are given and future prospects are proposed.