农户信贷行为影响因素的实证分析

农户是农村经济结构中最基本的经济单位和最直接的参与者，其行为直接关系到农村金融安排支持农村经济发展的效果。文章以二元Logistic模型为基础，利用220户农户调查数据，对农户从农信社贷款可得性的影响因素进行了实证分析，研究表明，影响农户信贷可得性的因素主要包括农户内在性因素和农信社外在性因素，其中，农户家庭年收入、户主对农信社的了解和有无借贷经历等内因性因素对农户信贷可得性的影响显著为正，农信社贷款额度、贷款效率等外因性因素对农户信贷可得性的影响分别显著为负和正。

Empirical Analysis on the Peasant Household Credit Behavior's Affecting Factors

he peasant household is the basic economic units and direct participator in the rural whose behavior influences the effect of rural finance supporting the development of rural economy. Based on the logistic model, by utilizing investigation data for 220 peasant households, analyzing the affecting factors of the successful probability of the credit for the peasant household in RCCS, the conclusion indicates： the credit for the peasant household successful probability of affecting factors includes the peasant household＇s internal factors and the RCCS＇s external factors, thereinto, the peasant household＇s annual earning,the peasant household understands the extent of the RCCS and the experience of debit and credit in RCCS have the positive influence, the loan＇s quantity has the negative influence and the loan＇s efficiency has the positive influence.