本文对友情借贷发展的特点进行了总结概括,并从关系网络、自身经济状况、数量规模约束和稳定性等方面分析了友情借贷供给的制约因素。在此基础上,探讨了对友情借贷隐性征信及信用保障的借鉴。最后,就新型金融机构对农户的金融支持方面提出了探索农村土地承包经营权和宅基地使用权抵押贷款、养老保险证质押贷款、农户特殊消费贷款、完善抵押担保的替代技术等创新业务。 This article summarizes the characteristics of the development of friendship lending and analyzes the restrictive factors of the friendship lending supply from the aspects of the relationship network, its own economic conditions, quantity and scale constraints and stability. On this basis, it explores the reference to the recessive credit and credit guarantee of friendship loans. In the end, the paper proposes innovative businesses such as rural land contractual management right and mortgage loan of rural residential land, pledge loan of old-age insurance card, special consumer loans of rural households, and alternative technologies to improve mortgage guarantee.