其他摘要：Abased the detailed investigation in Wenglin City, Zhejiang Province, the paper analyzed farmers’ financing environment in the developed region. The results showed that the government provided positive policy, but policy-oriented agricultural guarantee has only limited effect. Rural cooperative bank provided sufficient capital support, but still couldn’t meet to farmers’ potential financing needs. More than half of farmer households had low satisfaction of bank’s credit service. With the feature of certain large scale and some normalization, for-cooperation informal finance mainly used for farmer households’ family life needs. For-profit informal finance met some of non-traditional farmer households’ financing needs in some degree. The paper concluded that policy environment and currency environment of farmer households’ financing are more tolerant, but need to further optimize farmer households’ financing environment in the developed region. Some innovative thoughts also put forward in the paper, such as improving formal finance credit service abil-ity, developing new rural commercial financial institutions, innovating farmer households’ financing guaran-tee mechanism.
关键词：发达地区;农户;融资环境;民间借贷
其他关键词：The Developed Region; Farmer Households; Financing Environment; Informal Finance
