The model analysis on rural households’credit behavior shows that education level,number of labors,and social status will have positive effect on the possibility of credit earning;the possibility of credit earning of rural households will also be positively influenced by their agricultural acreage,the value of their housing,their total income and non-agricultural income;informal credit is more suitable to the education and medical expenditure of rural households;and there will be positive relation between financial environment and the possibility of credit earning. In the context of inclusive finance,rural households’credit behavior will improve the welfare level of them and enhance their solvency and tendency for credit. In terms of rural finance,we should further strengthen“reform of the supply front”,give play to the role of inclusive finance in supplying,and increase the supply of infrastructure and service in terms of rural investment,education and medical care.%在普惠金融体系中，农户借贷需求是其金融需求的重要方面，农户借贷需求行为的模型分析表明，农户文化程度越高、劳动力人数越多以及拥有村干部身份，其获得贷款的可能性就越大；农户获得贷款的可能性与其拥有的耕地面积、住房价值、家庭总收入和非农收入比例呈正向关系；农户的教育支出和医疗支出更倾向于非正规金融；农户面临的金融环境与获得贷款的可能性存在正向关系。正规金融机构更注重农户家庭因素和农户的资产状况，非农收入比例在获得非正规金融贷款时作用显著。在普惠金融下，农户借贷行为可使农户福利得到提高，特别是对农户的偿债能力和借贷倾向所起的支撑作用较大，而在农村金融环境、农村医疗支出、教育支出、农户居住地银行网点的分布和金融政策宣传程度等方面虽有一定影响，但变化程度远小于农户基本特征、偿债能力等方面的变化程度。农村金融应进一步加强供给侧改革，发挥普惠金融的供给作用，加强农村投资、教育、医疗等基础设施和服务的供给。
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