本文首先把信贷配给分成数量配给、交易成本配给和风险配给三类,然后利用转换回归模型实证研究了信贷配给下农户资源禀赋与农业产出的关系。研究发现,在受到信贷约束的农户中,除了受到数量配给外,还有近四分之一的农户受到交易成本配给或风险配给。受到信贷约束农户的农业产出更加依赖于农户的资源禀赋。本文建议应根据农户不同信贷配给类型采取相应政策,以解决农户所受的信贷配给约束。 In this paper, the credit rationing is divided into three categories: rationing, transaction cost rationing and risk rationing. Then, the conversion regression model is used to empirically study the relationship between farmers’ resource endowments and agricultural output under credit rationing. The study found that in addition to being rationed, nearly one quarter of rural households subject to credit constraints were rationed by transaction costs or rationed. Agricultural output constrained by credit is more dependent on the resource endowment of farmers. This paper suggests that corresponding policies should be adopted according to different types of credit rationing for farmers in order to solve the credit rationing constraint on farmers.