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小额信贷与农户收入之间存在正相关关系。在农户收入构成中,农村信用社农户小额信贷对农户非农经营收入具有显著激励效应,对传统农业种植收入具有微弱激励,对农户工资性收入具有负向激励;以农户收入水平划分成不同农户类型来看,贫困型农户受到小额信贷的支持绩效为负,市场型农户获得小额信贷的激励最为明显,尤其是市场型农户的非农经营收入得到小额信贷的支持最为显著。说明小额信贷瞄准的主要目标是有一定经济实力的农户群体,主要支持领域是非农创收项目,而对于贫困农户以及传统农业经营项目缺乏有效支持。
There is a positive correlation between microfinance and household income. In the composition of household income, rural credit cooperatives have significant incentive effects on the non-agricultural operating income of farmers, with weak incentives for traditional farming incomes and negative incentives for rural household wage incomes. They are divided into different income levels In terms of peasant household types, the supportive performance of poor peasants by microcredit is negative, and the motivation of market-based peasants to obtain microcredit is most obvious. In particular, the market-based peasants’ non-agricultural operating income is most significantly supported by microfinance. This shows that the main target of microfinance targeting is the group of peasant households with certain economic strength. The main supporting areas are non-agricultural income-generating projects, while the lack of effective support for poor peasant households and traditional agricultural management projects.