本文通过对兴化市126户农户的实地调查,分析当地农户的家庭基本状况、家庭收支情况等,得出农户的民间借贷主要依托地缘关系和亲缘关系。通过实证研究得出,影响农户民间借贷需求的因素主要有:农户全年家庭收入、农户的耕地面积或养殖面积、农户的家庭财产等。 Based on the field survey of 126 households in Xinghua City, this paper analyzes the basic situation of the family and the family income and expenditure of the local farmers, and draws the conclusion that the private borrowings of farmers depend mainly on the geographical relationship and the kinship. The empirical research shows that the main factors that affect the demand of farmers for private lending are: household annual household income, farmland area or farming area of ​​farmers, family property of farmers and so on.