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中文摘要：
农户团体联保贷款与P2P网络信贷对于解决农户贷款难问题各具优势和不足,二者优势结合或可创新农村金融发展模式。本文基于2016年新疆农户调查数据,利用四元Probit模型实证考察联保贷款和P2P网络信贷之间的关系。研究发现：联保贷款和P2P网络信贷之间存在互补关系,可观察因素和不可观察因素实证结果都支撑了这一观点;互补关系内在原因在于联保贷款和P2P网络信贷各自具有比较优势,具体表现在＂信息收集＂、＂社会制裁＂和＂资金供给＂等方面。上述发现对于完善农户信贷服务模式、创新发展新型的P2P-农户金融服务模式提供了新的思路。
英文摘要：
The farmer group lending and P2 P network credit have their own advantages and disadvantages in solving the problem of farmers＇ loans,and the combination of advantages may innovate rural financial development model. This paper empirically studies the association between group-based lending and P2 P network credit with quaternary Probit model according to 2016 survey data from farmers in Xinjiang. It shows that group-based lending and P2 P network credit are complementary,which is testified by both observable factors and non-observable ones; the reason of complementary relationship is that both of them have a comparative advantage in＂information collecting＂,＂social sanction＂and＂capital supply＂,etc. The conclusion gives a new way to develop financial service pattern for farmers.
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