中文摘要：

本文运用判别抽样法，定点选取了16个省（市）国定贫困县中的1503户暂时性贫困农户为对象，对其经济特征、信贷需求及贷款可获得性进行了调查分析，在此基础上，运用Probit模型对其贷款可获得性影响因素进行了实证检验。调查发现：大多数暂时性贫困农户均有信贷需求，且以中短期和小额为主，用途以消费为主，生产次之，信贷可获得性整体偏低，且正规信贷获取难度大于非正规信贷。实证结果显示：户主受教育程度、家庭收入、社会关系对贫困农户正规信贷和整体信贷可获得性均有正向影响；家庭社会关系及区域影响力对非正规信贷可获性有显著正向影响，金融机构物理距离对贫困农户信贷可获得性产生了一定的排斥效应。可见，户主文化程度、家庭收入、社会关系、金融网点已成为我国贫困农户信贷可获得性的现实制约因素。

英文摘要：

This paper chooses1503temporary poor farmers from16poor provinces in China by usingdiscriminant sampling method and makes a survey analysis of their economic characteristics,credit demandingand availability of credit.On this basis,we makes an empirical analysis on influencing factors of credit availabilityby using Probit models.The survey findings show that most of the temporary poor farmers have credit demanding,which is oriented to consumptionand production,but the credit availability is low,and accessing to formal finance ismore difficult than to non-formal.The empirical results show that household ers’education level,family income,social relations all have positive impact on the accessibility to credit.Household assets,population scale and healthsituation have positive impact on the availability of credit but is not significant;The families’social relationshipand its regional influence have a significant positive influence on the credit availability to informal finance;to someextent,the physical distance to financial institutions puts a repulsion effect on the credit availability.Visibly,the loweducation level of householders,less family income,poor social relationship and far physical distance are the importantinfluencing factors to poor credit availability for poor farmers.