基于农户模型的理论分析发现,信贷约束强度与贫困农户农业劳动生产率具有负向关系。因此减弱贫困农户所面对的信贷约束强度是贫困农户收入稳定、健康增长的重要保障。基于上述结论,提出从提高正规金融供给,促进非正规金融发展以及实行差别化贷款政策三个层面来降低信贷约束强度。 Based on the theoretical analysis of farmer’s model, it is found that there is a negative relationship between the intensity of credit constraint and the agricultural labor productivity of poor farmers. Therefore, reducing the intensity of credit constraints faced by poor farmers is an important guarantee for the stable and healthy income growth of poor farmers. Based on the above conclusions, this paper proposes to reduce the intensity of credit constraints from the following three aspects: improving formal financial supply, promoting informal financial development and implementing differentiated loan policies.