农村政策性金融在现代农业发展中起到积极作用,是解决农户融资需求的制度安排。本文利用对河南农户的问卷调查和probit模型对样本数据进行的实证分析发现：尽管农户对农村政策性金融存在一定程度的认知偏差,但也存在较大的融资需求;农户年龄、文化程度和年收入对政策性融资需求有显著性正向影响,而农户经济活动类型对其有显著性负向影响。本文基于制度建设视角,针对影响农户政策性融资行为的因素,提出完善我国农村政策性金融制度建设的建议。%Rural policy finance plays an active role in developing modem agriculture and is an institutional arrangement to solve farmers' financing demand. According to the questionnaire of farmers in Henan province and the empirical analysis on sample data with probit model, the paper finds out that there exists a large amount of demand for policy-based finance despite of certain degree of cognitive biases on the policy-based finance, and that farmers' age, education level and annual income have a significant positive impact on the policy-based financing needs, while the type of farmers' economic activity has negative impact. Aiming at factors which affect policy-based financing behaviors of the farmers, the paper puts forward some suggestions on perfecting institutional construction of rural policy-based finance.
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