中文摘要：

利用2012年农村居民家庭实地调查的样本数据,对现阶段农村居民家庭借贷行为特征进行详细描述,并从家庭经济能力、家庭特征、金融借贷环境等三个方面入手,运用二元Logit模型,实证研究影响农村居民家庭借贷行为的因素。结果显示:收入水平、家庭投资经营活动、户主年龄、受教育程度、家庭社会政治资本、家庭负担水平、外出务工、金融借贷环境均显著影响借贷行为。分地区回归分析结果表明,各因素因地区不同,对借贷行为影响程度也不相同。

英文摘要：

Using the sample data derived from a survey of rural families in 2012,the characteristics of rural families’ credit behaviors at present were described detailedly,and the influencing factors for credit behaviors of rural families were empirically studied by Binary-Logit model in terms of family economic base,family characteristics and financial credit environment.Results indicated that income level,family investment and business activities,age of householder,educational level,family social and political capital,family burden level,work experience and financial credit environment have notable influences on credit behaviors.Moreover,the area-based regression results showed that the extent of influence on credit behaviors varies in different areas.