中文摘要：

信贷作为经济发展领域的重要问题之一，备受专家学者的关注。近年来，很多专家学者发现社会资本对信贷行为有重要的影响。通过以甘南藏族自治州、临夏回族自治州和张掖市农户为例，基于入户调查资料，运用因子分析法分析了不同民族农户的社会资本，运用多项logistic回归模型，分析了社会资本对信贷行为的影响。结果显示：（1）甘南藏族自治州社会资本总得分最低为0．91，临夏回族自治州社会资本总得分为1．20，张掖社会资本总得分最高为1．26；（2）从社会资本的每个维度来看，信任、网络和规范与信贷行为发生率呈正相关关系；（3）人力资本、物质资本和金融资本对农户信贷行为发生率也有促进作用，但自然资本对农户信贷行为发生率有约束作用。

英文摘要：

The credit as one of the important issues in the field of economic development has been taken much of the attention of experts and scholars. In recent years, many experts and scholars found that social capital has impor- tant implications on the credit behavior. Credit constraints has become a common phenomenon in rural areas in de- veloping countries, no more than 27% of rural households in China has access to formal channels of loans, but about 40% the farmers＇ loan demand cannot get formal loan support, therefore, the majority of farmers has turned to pri- vate loans. A large number of studies has found that social capital has a significant effect on credit behavior and pri- vate credit. Therefore, to play the role of social capital, the contact between credit institutions and farmers closely be- comes an important means to solve farmers＇ credit constraints. Based on this, this paper takes the farmers of Gannan Tibetan Autonomous Prefecture （GTAP）, Linxia Hui Autonomous Prefecture （LHAP） and Zhangye City （ZC） of Gansu Province, China as the examples, based on the household survey data and the index system of social capital established on the framework proposed by Robert D. Putnam, using the factor analysis to analyze the social capital of different ethnic groups. Then the hypotheses of the social capital that have a positive effect on farmers＇ credit be- havior is formulated, using binary logistic regression model, this paper analyzes the social capital and other factors on the influence of the credit behavior. And using the maximum likelihood estimation method to estimate their re- gression parameters, its aim is to provide references for improvement of the credit mechanism, the advancement of rural financial reform, and the development of the rural economy. The results showed as follows ： （ 1 ） The lowest total score of social capital of GTAP is 0.91, the total score of LHAP is 1.20, the highest total score of Zhangye City is 1.26. （2） From each dimension of social capital, the tr