Basedontheperspectiveofprivatefinanceonfarmers’incomeeffectanalysisprobe[Abstract]increasehouseholdincome,thusnarrowingtheincomegapbetweenurbanandruralresidentsisthe‘secondfive’importantcontent.Themaininputchannelsasaruralprivatefinance,theincomegrowthoffarmersareplayinganincreasinglyimportantrole.BasedonYiwu,Taizhou,Xiaoshan,Jiaxing,Wenzhou,thefivesamplesurveys,analysisofnon-financialeffectsofhouseholdincomeandfoundthatthefinancingneedsofdifferenttypesofhouseholdsandincomegrowtharequitedifferent.[Keywords]farmers’incomeeffectsofprivatefinancialI.IntroductionAccordingtotheNationalBureauofStatistics68000ruralhouseholdsinasamplesurveyin2010,ruralpercapitanetincomereached5919yuan,whichisarecordhigh.Theyear2010aloneincreased766yuan,alsoarecordhigh,but2010comparedtothenationalaverage1urbanhouseholdincomeof21,033yuantotal,urban-ruralincomegapisstillrelativelylarge,so,inthepromotionofsocialjusticeandsocialharmony,theincreaseinhouseholdincome,reducerural-urbanincomegaphasimportantpracticalsignificance.tosolvetheaboveproblemsThekeytotheefficientallocationofcapital,butnotinthecurrentformalfinancialfundingtomeetthegrowingdemandsoffarmersinthecontextoftheefficientallocationofcapitalisinseparablefromthepowerofprivatefinancialsupport.Inthispaper,byselectinganumberofspecificareas(Taizhou,Zhejiang,Yiwu,Xiaoshan,Jiaxing,Wenzhousurveyof100individualfarmerstogetthemicrodatatoanalyzethenon-financialimpactonhouseholdincome.Second,thenon-financialanalysisoftheeffectofhouseholdincome1Characteristicsofthefinancialneedsoffarmers(1)themainleveloffarmersAsinthemainfinancialmarketmicrostructure,financialneedsoffarmersinruralareasanimportantsubject,accordingtothefarmfamilyproperty,thesizeofdifferentincome,dividedintothefollowingthreelevels:poverty-based2farmers,subsistencefarmersandmarket-orientedfarmers.(Atypeofpovertyfarmers,ruralfinancialneedsofaparticularsubject,theylackthemostbasicproductionandlivingexpensesaswellascollateral.mostlyengagedinsimpleagriculture,farmingChunnongHu(2subsistencefarmers,itistosolvefoodandclothingproblemsoflifefarmers,mainlysmall-scalespecialtycropandanimalbreedinglarge,agricultureandindustry,theproportionoflargerhouseholds(3market-orientedfarmers,theirproductionandbusinessactivitiestomarket-orientedmovetoahigherleveloflifeistherealizationoffarmers’incomeandeconomicrestructuringinruralareasanimportantway,mainlytheacquisitionofordersforseasonalagriculturalfarmers,privateprocessingofself-employed,includingpartofthenon-agriculturalhouseholdsandindustry,mostlybybusinesses.(2)diversificationoftheneedsoffarmersFinancialneedsoffarmersaccordingtotheirnatureandscaleofdifferentactivitiesandshowdiversecharacteristicsofthethreelevelsoftheeconomic3situationoffarmersduetotheirdifferenteconomicactivitiesundertakenarenotthesame,sotherearegreatdifferencesbetweenthefinancialneedsof.1poverty-basedfarmers,smallamountofsingledemandforfunds,householdsaremanyandscattered,shortlifecyclefunds,usuallyinaboutayear,moneydemandisgenerallyinthe1-5millionhouseholdsinkindbecauseofpoverty-basedincome-based,Althoughthefarmersownland,housingandotherobjects,butthelackofcommercialbanksneedcollateral,lackofcanland,housingandotherphysicalrealizationofthemechanism,whichfurtherincreasedthetraditionalcommercialfarmerstotheformalfinancialinstitutionstoobtainloansmoredifficult.2subsistencefarmers,largeamoun...