中文摘要：

将农户借贷行为分为是否借贷和借贷来源选择，采用辽宁568个农户家庭的随机入户调研数据，实证分析农户借贷行为的影响因素，并进一步研究农户借贷的福利效应。结果表明：社会关系不强和交易成本较低时，农户倾向于选择正规金融服务；广泛的社会关系和低的交易成本有利于农户借贷，并能提高农户借贷的消费福利效应。

英文摘要：

With 568 rural households’random survey data of Liaoning, this paper analyzes the influence factors of rural household borrowing behavior, which is express as two indexes of whether rural household borrowing and borrowing preference. And further it test on the welfare effect of rural household credit. The results show that the narrow social relationship and lower trade cost would induce rural household to choose formal financial services, while the wide social relationship and lower trade cost have positive effects on rural household borrowing behavior, and can improve the consumption welfare effect of rural credit.