中文摘要：

笔者利用陕西省300多户农户的实际调查数据，对农业合作经济组织影响下的农村信贷配给程度进行了系统的实证研究。研究结果表明，与传统和直观的理解不同，参与农业合作经济组织的农户与没有参与的农户相比，其融资满足程度受到抑制，信贷配给程度更高；“公司＋农户”形式的参与形式与其他类型农业合作经济组织对农户信贷配给的影响没有显著差别；参与农业合作经济组织对农户借贷需求的影响具有不确定性，且这种影响作用在不同的群体中也不尽相同。

英文摘要：

The paper conducts a comprehensive research based on the date of 300 questionnaires survey from Shaanxi Province. The study indieates：1. Different from traditional and intuitive understanding, when compared with with the non-participation in agricultural cooperative economic organizations of the farmers, the financing level of the farmers＇ participation is inhibited, and is subjected to a higher degree of credit rationing;2. There is no significant difference between ＂enterprises ＋ peasant household＂ and other type of the rural cooperative economic organizations ;3. Borrowing requirements are uncertain, as the participants and the farmers in different groups are affected differently.