中文摘要：

根据陕西省324户农户的实际调查数据,对信贷配给类型按数量配给、价格配给、风险配给、交易成本配给和自我配给进行识别,并运用多项Logit模型分析了不同信贷配给类型的影响因素,以及不同信贷配给类型之间的相对风险比（RRR）。结果表明,有50%的农户受到信贷配给;教育、借贷渠道、家庭变化和家庭总收入对数量配给有显著影响;购买保险数量对价格配给影响显著;年龄、教育和信贷需求对风险配给影响显著;购买保险数量、贷款需求和加入农民合作组织对自我配给影响显著;各因素对交易成本配给影响不显著。

英文摘要：

Based on the survey data of 324 rural households in Shaanxa province, we laentmea me numoer ra- tioning, price rationing, risk rationing, transaction costs rationing, and self-rationing, and used multinomial Logit to analyze influencing factors of different types of rationing and relative risk ratio. The results show that 50% households suffer from credit rationing; education, loan ways, family changes and total income have significant effects on number rationing; insurance affects price rationing significantly; age, education, loan ways have impact on risk rationing; insurance, loan demand and joining in cooperative organization have significant impact on self-ra- tioning; the impact of all the factors on transaction cost rationing are not significant.