当前发展农村经济、提高农民收入已成为解决我国“三农”问题的重中之重,本文基于协整分析,利用ADF检验和Granger因果检验,通过对1984年至2013年间中国农村信贷投放与农民人均纯收入的统计数据进行实证检验。检验数据表明:农村信贷投放增加及信贷资金使用效率提升是加快农民收入增长的重要影响因素。 At present, developing the rural economy and raising the peasants’ income have become the top priority for solving the “three rural issues” in our country. Based on the cointegration analysis, the paper uses ADF test and Granger causality test, And farmers’ per capita net income statistics for empirical test. The test data shows that the increase of credit in rural areas and the improvement of the efficiency of using credit funds are the important factors to speed up the income growth of peasants.