中文摘要：

依据陕西关中地区421份有效农户调查问卷数据,运用Logistic-ISM模型,研究影响不同类型农户小额信贷风险的主要因素,以及主要影响因素的层次结构差异性。研究结果表明,农户类型分化可有效降低农户信贷风险;农户小额信贷风险影响因素是一个具有层次结构的复杂系统;不同类型农户对影响因素的反应程度不同,农户对信贷风险的认知也存在差异。

英文摘要：

This paper use Logistic-ISM model to research the factors and hierarchical structure differences of farmer household microfinance risk based on the data from the field survey conducted in Guanzhong area of Shannxi province. The result shows operating non-agricultural business can reduce microfinance risk effectively; the factors of farmer household microfinance risk is a complex system with hierarchical structure; farmer household with different business have different reaction degree to factors and different recognition to microfinance.