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中文摘要：
通过对陕西杨凌、阎良、泾阳467个农户的调查，从农户金融需求的角度出发，分析了农村信贷约束、农户融资困境及其金融排斥的影响因素。结果表明性别、受教育程度、家庭成员的社会阶层、家庭收入水平是影响农户是否遭受金融排斥的共同原因，不同金融服务的排斥状况亦有其他不同的影响因素。减轻贫困、增进农民福利需要，可缓解农村较为严重的金融排斥问题。金融机构在制定利润目标的同时承担起相应的社会责任、农户提高自身素质和信用、政策部门合理引导金融机构开拓农村金融市场，可有效减轻我国农村地区的信贷约束和金融排斥问题，从而缓解农户融资困境。
英文摘要：
This paper analyzes the factors affecting rural credit constraints, farmers＇ financing difficulties and financial exclusion based on a survey of 467 households in Yangling, Yanliang and Jingyang of Shaanxi province. The results show that gender, education, social class and household income are the common factors influencing ru- ral financial exclusion. However, there are various affecting factors to different financial services. Alleviating pov- erty, improving farmers＇ welfare could alleviate rural financial exclusion. Meanwhile, if financial institutions could afford their corresponding social responsibilities and farmers could enhance their own credits under the help of the government, the credit constraints and financial exclusion in rural areas will be reduced, which will be beneficial to alleviate farmers＇ financing predicament.
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