中文摘要：

基于浙江省宁波市象山县持有惠农卡的104个农户的问卷数据，应用Logistic模型对农户使用惠农卡的行为及影响因素进行分析。研究表明，农户使用惠农卡尚不普遍，使用频率不高。影响农户使用惠农卡的因素是多方面的，就农行而言，一是对惠农卡的功能宣传不够，农户缺乏必要了解；二是办卡手续相对繁琐，授信额度不能满足需要。就农户而言，户主的文化程度、主要工作、家庭收入来源、使用的方便性、亲朋使用情况都会对其产生影响。在实证研究的基础上笔者认为要让惠农卡真正为农户所用，需要从以下几方面入手：一要创新抵押担保方式，适当提高授信额度；二要完善惠农卡功能，加大宣传普及力度；三要加强农村金融基础设施建设，优化农村地区用卡环境。

英文摘要：

Based on the questionnaire data of 104 farmers of Xiangshan County, we carried on the empirical study by using Logistic model. This study showsed that farmers used Huinong Card still not common, use frequency was not high. There were a variety of factors that affected farmers using of Huinong Card. In terms of Agricultural Bank, firstly, farmers did not understand the function of Huinong Card, because of the lack of propaganda. Secondly, card formalities was relatively complex, and the credit couldn＇t meet the need. In terms of farmers, the educational level of farmers, the main work, income sources, living area, friends and family usage, whether migrant workers influence the using frequency of Huinong Card significantly. Finally, based on the empirical results above and in order to improve the Huinong Card, the following points are given. First, innovative means of mortgage loans and increase the line of credit appropriately. Second, improve the function of Huinong Card and tighten propaganda popularization strength. Third, we must strengthen the rural financial infrastructure, and optimize the environment of using cards in rural areas.