本文基于信息不对称是成熟信贷市场上非均衡问题产生的基本原因,通过从微观的“农村信贷合约”出发,探讨非均衡市场条件下农村信贷合约的设计问题,并总结出其应采用关系型贷款的模式。从而解决在我国新农村建设过程中出现的农村金融供给不足、以及因金融供给不足引起的金融需求不足的矛盾,更好的为农村金融的发展服务。 This paper, based on asymmetric information, is the basic reason for the unbalanced issue in the mature credit market. Based on the micro “rural credit contract ”, the paper discusses the design of rural credit contract under the condition of unbalanced market and concludes that it should adopt Relational loan model. So as to solve the contradiction between the insufficient supply of rural finance and the shortage of financial demand caused by the shortage of financial supply in the new rural construction in our country and serve the development of rural finance better.