【摘要】 我国农村经济正处于转型关键期，农村信贷成为衡量农村金融发展状况的重要指标。基于2022年吉林省农户调研数据，运用Heckman两阶段模型，深入探讨农村信贷需求与可得性的影响因素。研究发现，负债总额、经验规模及产业类别显著影响农户信贷需求。在信贷可得性方面，贷款利率、农户的资产状况及土地灾害是主要影响因素，经营规模扩大、收入水平提高及固定资产增加有助于提升信贷可得性，而贷款利率的上升及单一产业的参与则会抑制贷款量。数字信贷与借贷渠道对信贷获取也具有重要影响。建议加强农村信贷支持、推进金融机构改革、完善信贷风险监管机制，以促进农村信贷市场的可持续发展，推动农村经济的全面繁荣。更多还原

【Abstract】 China′s rural economy is in a critical period of transformation,and rural credit has become an important indicator for measuring the development of rural finance. Based on the survey data of farmers in Jilin Province in2022,this paper uses the Heckman two-stage model to deeply explore the influencing factors of rural credit demand and availability. The study found that total debt,experience scale and industry category significantly affect farmers′credit demand. In terms of credit availability,loan interest rate,farmers′ asset status and land disasters are the main influencing factors. The expansion of business scale,the improvement of income level and the increase of fixed assets are conducive to improving credit availability,while the increase of loan interest rate and the participation of a single industry will inhibit the loan amount. Digital credit and lending channels also have an important impact on credit acquisition. Based on the research conclusions,this paper recommends strengthening rural credit support,promoting financial institution reform,and improving credit risk supervision mechanisms,thereby promoting the sustainable development of the rural credit market and the overall prosperity of the rural economy.更多还原