To solve the financing difficultiesof peasant households and develop the construction of rural financial system.According to the different farmers' investment preferences, the farmers are divided into conservative farmers, radical farmers and neutral farmers.Use 1726 peasant household data in Xinjiang cotton growing areas,analysis of cot-ton farmers borrowing behavior characteristics,constructing Logistic model to analyze the influencing factors of cotton farmers borrowing.The results showed that radical farmers have a strong demand for capital,and access to loan ratio is high;Conservative and neutral farmers have small loans and get loans difficultly, rural financial lending is still in a state of imbalance between supply and demand.In terms of influencing factors, planting scale and whether to buy cot-ton planting insurance for three types of peasant household borrowing behaviors are significantly positive influence.In addition, the region and the degree of social experience, cultural factors, has a different influence on borrowingfor three types of peasant householdrespectively.%本文运用新疆棉花种植区1726个农户调查数据,分析棉农借贷行为特征,构建Logistic模型分析影响棉农借贷行为的因素.结果表明,激进型农户对资金需求强烈,获取贷款比例高;保守型和中立型农户以中小额贷款为主,获取贷款难度大,农村金融仍处于供需失衡状态.在影响因素方面,种植规模和是否购买棉花种植保险对三种类型农户借贷行为均有显著正向影响.此外,地区、社会经历、文化程度等因素分别对三种类型的农户借贷行为产生不同影响.
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