中文摘要：

金融供给不足将直接阻碍农民收入增长,严重影响农业和农村发展,如何解决农户的融资难问题已成为未来我国农村金融改革的重要任务。使用安徽和江苏的实地调查数据,采用Logit模型分析了社会资本对农户借贷资金来源的影响。实证分析结果发现：社会资本变量中,农民专业合作组织关系、农村信用社关系和亲戚关系显著影响农户借贷资金来源,政治关系和邻里关系的影响在统计上不显著;农户及家庭特征变量中,文化程度、专业技能、借贷信誉和家庭收入等显著影响借贷资金来源;此外,贷款成本也显著影响农户借贷资金来源,而地区虚拟变量的影响在统计上不显著。

英文摘要：

Based on survey data in Anhui and Jiangsu provinces, this paper analyzes the effect of social capital on sources of rural households＇ credit capital through Logit model. From the viewpoint of social capital, the relation- ships of farmers＇ specialized cooperative organizations,rural credit cooperatives and relatives have significant effects on rural households~ credit capital sources,while the relationships of politics and neighbors are not statistically sig- nificant. Rural households＇ education, professional skill situation, credit reputation and family income have signifi- cant effects on credit capital sources. Credit cost also has significant effect,while the effect of regional dummy varia- ble is not statistically significant.