在当前的农村金融市场中,农户经常处于相对弱势地位,他们很难从正规金融部门获得足够的金融资源额度。但事实上是,农户的信贷融资行为不仅仅取决于信贷供给的保障,也在一定程度上取决于农户自身对信贷融资的需求状况,即农户对信贷融资的有效需求存在“不足”。表现形态源于“有 In the current rural financial markets, rural households are often in a relatively disadvantaged position, and it is very difficult for them to obtain sufficient financial resources from the formal financial sector. However, in fact, the credit financing behavior of farmers depends not only on the guarantee of credit supply, but also on the farmers’ own demand for credit financing to a certain extent. That is, there is “insufficient” for farmers to effectively demand credit facilities. Form of expression from "there