CAJ | 학술논문

农户借贷资金的来源主要包括正规金融和非正规金融两个渠道。通过对陕西、甘肃两省897户农户进行入户调查，结果表明：农户融资更偏好于非正规渠道，贷款程序的复杂程度、利率高低、金融机构对农户的信任水平、家庭文化等是导致农户不选择正规融资的主要原因。
농호차대자금적래원주요포괄정규금융화비정규금융량개거도。통과대협서、감숙량성897호농호진행입호조사，결과표명：농호융자경편호우비정규거도，대관정서적복잡정도、리솔고저、금융궤구대농호적신임수평、가정문화등시도치농호불선택정규융자적주요원인。
There are two major aspects for farmers to borrow money： the formal credit and informal credit. Ac- cording to 897 questionnaire data about credit needs assessment of farmers from Shaanxi Province and Gansu Prov- ince, we find that farmers prefer the informal credit. On the basis, the paper studies the factors farmers consider when they borrow money from the formal credit. Then the results show that reasons leading to the phenomenon include the mistrust of banks, farmers dislike the way of loans, the complicated procedures, interest rate factors, farmer＇ subjective preferences to the relatives and friends and so on. At last, the paper puts forward policy recommendations to solve the issue.