Lin Qiu-Bin | Esra Sipahi Döngül | Shajara Ul-Durar
pages: 65-77; JEL classification: I38, J4, Q1; Keywords: discretionary The Belt and Road Initiative; financial development efficiency; financial development scale; panel threshold regression; agricultural technology investment; Abstract: The gradual increase in the world population has a significant impact on businesses, productivity, and financial development in the context of rural life. This can create challenges for rural communities that depend on these resources for their livelihoods. In this study, it was determined as a problem that the financial system deepened in regions where the savings base was not large enough and the level of savings was not at the desired level. In this context, since improving the management of the rural labor structure and increasing investments in science and technology can also increase farmers\' incomes, the study aims to deepen rural financial reform and increase efficiency of financial system in business management. In the study, the key provinces of “The Belt and Road\" were considered as research objects and 2000-2015 annual panel data were used to analyze the threshold regression model. According to the research findings, when the threshold of financial development efficiency is variable, the growth of farmers\' incomes in general is prevented, when the scale of financial development is variable, the effect on farmers\' incomes gradually changes from negative to positive. In line with these findings, it is recommended to strengthen the quality of education of workers and promote the integration of urban and rural areas, increase investments in agricultural science and technology, and improve system of agricultural science and technology.