中文摘要：

基于包头市东河区14个农村250户农户的实地调查数据,采用分层模型对不同收入层次下农户借贷需求意愿和影响因素进行分析,结果得出村庄层和家庭层均对农户借贷需求意愿产生影响,村庄类型、村庄所处地理位置、周边金融机构数量,户主年龄、受教育程度、家庭收入稳定性与政府重视程度对整体农户借贷需求意愿有显著影响;从收入分组结果看,村庄类型和收入稳定性是影响不同收入层次农户借贷需求意愿的共同因素,而农户家庭收入来源和优惠政策激励对不同收入层次农户的借贷需求意愿均无显著影响,其他因素对农户借贷意愿影响存在差异,处于收入层次两端农户的借贷意愿不受农户个体特征和金融环境的影响,尤其是低收入农户受到一定的金融排斥。

英文摘要：

Based on the survey data collected from 14 villages （250 rural households） in the Donghe District of Baotou city, we used a hierarchical model and analyzed the borrowing will and influencing factors under different income levels of farmers. The results show that village level and family level are related to farmers＇ borrowing will. Village type, village geographical location, number of surrounding financial institutions, the head of household age, education level, household income stability and government attention have significant impact on overall household borrowing will. On the income grouping results side, village type and income stability are common factors affecting the different income levels of farmers borrowing will, while rural households income sources and incentives policy has no significant effect. Other factors impact on the farmers＇ borrowing will exist difference. In the both ends of income levels of farmers＇ borrowing will is not affected by farmers＇ individual characteristics and financial environment, particularly the low-income households are subjected to certain financial exclusion.