Based on the panel data of peasants'borrowing from 2008 to 2010 in Shaanxi, the peasants preferred to lend from informal loans, big differences in lending scale, the diversified use of funds, and the widespread perception of formal lending difficulties and high interest rate tolerance is usual. Using the panel logit model and multi-level linear regression model, the empirical research on the influencing factors of rural households'willingness to borrow and the choice of financing channels are conducted respectively. The results show that one-third of borrowing rural households have continuity, and the indexes of households'income and output has a significant impact on the borrowing willingness, the willingness of middle-income groups borrowing strong and easy to obtain loans from the formal financial institutions, the convenience of farmers to borrow and lend convenience significant impact on farmers'borrowing willingness, lending using and rate has significant impact on lending options. Based on the conclusion of the study, suggestions are put forward in terms of improving the supply capacity of financial institutions in products and services, fostering farmers' financial awareness and standardizing informal financial lending.%基于2008—2010年农户借贷面板数据,发现农户借贷存在借贷渠道偏好非正规无息贷款,借贷规模差异大且资金用途多样,正规借贷难现象感知普遍,对利率容忍度高等特征.运用面板Logit回归模型和多层线性回归模型分别对农户借贷意愿与借贷渠道选择影响因素进行实证研究,发现三分之一的农户借贷具有连续性,农户家庭收入和支出指标对农户借贷意愿及借贷途径选择均影响显著,高收入群体借贷意愿不明显,中等收入群体借贷意愿强烈且易从正规金融机构获得贷款,农户借贷便利感知对农户借贷意愿影响显著,借贷资金用途和利率变量对借贷途径选择影响显著.基于研究结论,从提高金融机构产品和服务供给能力、培育农户金融意识以及规范非正规金融借贷等方面提出对策建议.
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