Abstract: In this paper, we base on 538 data, choose the Dual-logistic regression model to analyze the correlation between the stability of rural worker’s income and the credit demand. From our research, we found out that technical content and working term will make negative effect of credit demand. The mid-variable of job-change times in recent 2 years will make positive effect of credit demand. It means the credit will of stable salary worker is lower than unstable salary worker.

摘要： 本文依据陕西、山西两省538份调查问卷，采用有序—二元logistic二阶段模型，量化研究了农民工收入稳定性及其对农户信贷需求的影响。结果表明，农民工工作技术含量、务工年限与农户信贷需求负相关；农民工近两年换行业次数与农户的信贷需求正相关；工资性收入不稳定的农户较工资性收入稳定的农户贷款意愿更强烈。