本文以广东为例实证分析我国农村信贷需求与非正规金融供给的状况、特点、运作机制及两者的耦合,认为非正规金融提供的信贷服务覆盖面和正规金融基本相当,借款和储蓄的主要用途都偏重于消费,借贷双方都愿意签定富有弹性的合同,资金借入、贷出的路径依赖传统的社会关系,非正规金融交易和社会交易联系在一起。 This paper, taking Guangdong as an example, analyzes the status, characteristics, operating mechanism and the coupling between the rural credit demand and informal financial supply in our country. It considers that the coverage of credit services provided by informal finance is basically the same as that of formal finance, and the main purposes of borrowing and saving Both emphasize consumption. Both lenders and borrowers are willing to sign flexible contracts. Loans borrowed and lending out depends on traditional social relations, informal financial transactions and social transactions.