农户借贷行为及其对收入的影响研究的中期报告摘要：本文旨在研究农户借贷行为对其收入的影响。通过调查150位农户的借贷行为和收入情况，本文发现：1.绝大部分农户都有借贷需求，其中大部分主要是为了购置生产资料和应对意外支出。2.借贷资金来源主要是亲戚朋友、村级组织和银行，其中银行获得了农户最多的信任。3.农户的借贷行为与其收入水平有着密切的关系。借贷额度越高的农户，其年收入也越高；但是对于同等借贷额度的农户来说，那些借贷行为比较频繁的农户其年收入反而较低。4.借贷利率对农户收入的影响也比较显著。高利率借贷对农户收入影响较大，特别是对年收入低的农户影响更为明显。本文的研究结果表明，农户借贷行为对其收入的影响是双重的，既有正面作用，也存在负面影响。因此，农户在进行借贷行为时需要谨慎选择借贷渠道和利率，并在借贷额度和频率上合理控制，以确保借贷行为对其收入有正向促进作用。关键词：农户；借贷行为；收入；影响Abstract:Thispaperaimstostudytheimpactoffarmers'borrowingbehaviorontheirincome.Byinvestigatingtheborrowingbehaviorandincomeof150farmers,thispaperfindsthat:1.Thevastmajorityoffarmershaveborrowingneeds,mostofwhicharemainlyforpurchasingproductionmaterialsandcopingwithunexpectedexpenses.2.Themainsourcesofborrowingfundsarerelativesandfriends,village-levelorganizations,andbanks,amongwhichbankshavegainedthemosttrustfromfarmers.3.Farmers'borrowingbehavioriscloselyrelatedtotheirincomelevel.Thehighertheborrowingamountoffarmers,thehighertheirannualincome;butforfarmerswithequalborrowingamount,thosewhoborrowfrequentlyhavelowerannualincome.4.Theimpactofborrowinginterestratesonfarmers'incomeisalsosignificant.High-interestrateborrowinghasagreaterimpactonfarmers'income,especiallythosewithlowannualincome.Theresultsofthisstudyshowthattheimpactoffarmers'borrowingbehaviorontheirincomeisdual,withbothpositiveandnegativeeffects.Therefore,farmersneedtochooseborrowingchannelsandinterestratescarefullywhenborrowingandreasonablycontroltheborrowingamountandfrequencytoensurethatborrowingbehaviorhasapositivepromotingeffectontheirincome.Keywords:Farmers;Borrowingbehavior;Income;Impact