困局与突围：我国农户金融供需现状及政策建议————基于全国28个省市（自治区）抽样调查的分析

基于全国28个省市（自治区）农民的抽样调查，对当前农民金融需求与供给的状况、存在的困难与问题进行分析后发现：　当前农村金融产品日益丰富，农民的金融行为日趋多样化；农民的金融需求旺盛，以小额贷款为主，应积极推广农村小额信用贷款；农村新型金融机构发展较慢，信用社仍担当金融服务的主角；农村金融服务仍有空缺，应加快农村金融网点的全覆盖，改进金融服务方式，提高服务水平与质量；加大农村金融创新力度，积极稳妥地探索住房、林地和土地抵押融资方式，扩大农村有效担保物范围；进一步加强农村金融监管，防范金融风险。

Predicament and Breakthrough: Rural Financial Supply and Farmers' Demand and Policy Recommendations: Sample Analysis of 28 Provinces (Autonomous Regions)

Based on a sample survey of farmers in 28 provinces(autonomous regions) nationwide,this paper analyses farmers' current financial demand and supply,and existing problems.The result of the survey shows that farmers are faced with a rich variety of financial products to choose from;they exhibit diverse financial behavior and have a strong financial demand,mainly of small loans.This indicates we should promote small loans actively in rural areas.The result also finds a slow development of new financial institu...