随着农村市场经济体制的建立,农户合理的信贷需求难以得到满足。本文根据实地调研数据,分析了影响农户信贷需求的因素,并通过建立Eviews模型,验证各因素对农户信贷需求的关系,结合农户融资现状进行分析,以期为调整农村信贷供应结构,完善农村金融服务体系提出建议。 With the establishment of the market economy system in rural areas, it is difficult for farmers to meet their credit needs reasonably. Based on the field survey data, this paper analyzes the factors that affect the credit demand of rural households, and establishes the Eviews model to verify the relationship between various factors and farmers ’credit demand. Based on the analysis of the status quo of rural households’ financing, in order to improve rural credit supply structure and improve rural financial services System to make recommendations.