基于2016年新疆7县(市)农户金融调查数据，从4个方面设置问题测度农户的金融认知水平，根据农户是否获得贷款、贷款规模以及贷款金额占申请额的比值测度信贷可得性，并采用IV-Probit模型分析少数民族地区农户金融认知对信贷可得性的影响。研究表明：金融认知能够显著促进农户获得贷款，提高信贷规模以及贷款额/申请额的比例；除此以外，户主的年龄、民族、教育程度和政治资本对农户信贷可得性影响显著为正；户主的风险态度和南疆地域虚拟变量对农户信贷可得性影响显著为负。%This paper researches farmers’ financial cognitive level from four aspects according to the data of Sinkiang’s seven countries in 2016, and defines whether farmers getting loan and the ratio of loan as credit availability. Besides, it analyzes how farmers’ financial cognitive level affects credit availability in minority area with IV-PROBIT model. The conclusion is that higher financial cognitive level can help farmers get loan significantly and increase the size and ratio of loan. In addition, the head of a household’s age, nationality, education level and political capital have a positive effect on credit availability significantly, but the risk attitude and southern Sinkiang regional virtual led to the opposite results.
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