中文摘要：

本文依据陕西、山西两省538份调查问卷，采用有序-二元logistic二阶段模型，量化研究了农民工收入稳定性及其对农户信贷需求的影响。结果表明，农民工工作技术含量、务工年限对农户信贷需求有显著负向影响；农民工近两年换行业次数对农户信贷需求有显著正向影响；工资性收入不稳定的农户较工资性收入稳定的农户贷款意愿更强烈。

英文摘要：

Based on data of 538 questionnaires , the paper analyzes with the Dual-logistic Regression model the correla-tion between rural migrant workers ’ income stability and their credit demand .It is found that the technical content of the workers ’ jobs and their working terms have a negative effect on their credit demand while the mid -variable of job-change times in the recent 2 years has a positive effect .It means the credit demand of workers with stable wage income is lower than that of workers with unstable wage income .