中文摘要：

杨凌示范区较早地推行了土地流转改革，当地农户的借贷行为在此背景下也发生了一定的变化。通过收集整理关于农户借贷的调研数据，运用描述性分析和Logistic实证分析发现，农户借贷发生比例及借贷金额均有异于以往研究，耕地面积和支出收入比对农户借贷行为的影响也呈现正向显著。

英文摘要：

Yangling demonstration zone carried out the land transfer reform earlier, and in this context, the credit behavior of local farmers also has undergone some changes. This paper by collecting survey data on local farmers’credit behavior, using descriptive analysis and Logistic analysis, find that the proportion of farmers existing credit behavior and the borrowing amount are different from the previous studies, and the impact of family agriculture acreage and expenditure-income ratio on farmers’credit behavior also shows positive and significant.