两种情况的综合作用最终导致农户正规信贷的可得性并不是正规金融机构筛选机制的甄别结果，而主要是由农户的行为选择所决定的。
Combination of the two impacts leads to that farmers' formal credit availability is not decided by the screening mechanism of formal financial institutions, but mainly by the farmers' own choice.
两种情况的综合作用最终导致农户正规信贷的可得性并不是正规金融机构筛选机制的甄别结果，而主要是由农户的行为选择所决定的。
Combination of the two impacts leads to that farmers' formal credit availability is not decided by the screening mechanism of formal financial institutions, but mainly by the farmers' own choice.
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