农户信贷需求的行为逻辑

文章通过梳理舒尔茨的“理性小农”命题、恰亚诺夫学派的“道义小农”命题、黄宗智的小农命题和徐勇的“社会化小农”命题等国内外关于农户经济行为经典文献，分析指出处于传统小农经济向市场经济转轨时期的我国绝大多数农户在为家庭正常运转或者为生存而生产，基本可以归结为生存型小农，与其相适应的是救助性的农贷制度。

The Behavior Logic of Financial Demand of Peasant Household

Through combing Schultz＇s proposition of the ＂rational small farmers＂, Chayanov school＇s proposition of the ＂moral small farmers＂, Huang Zong-zhi＇s proposition of small farmers and Xu Yong＇s proposition of the ＂socialized small farmers＂, and other classical literature on economic behavior of farmers at home and abroad,the analysis which thinks because the vast majority of farmers in China in the transition period from a traditional small-scale peasant economy to a market economy product for normal operation of the family or survival, they can be classified as survival type of small farmers, compatible with the assistance type of the agricultural credit system.