农村小额信贷通过多年的实践,在实现农民增收和农村金融机构增效上取得了一定成效。但同时也应看到,随着农村经济的快速发展,受内外诸多因素的影响和制约,小额信贷存在的一些深层次的矛盾和问题也逐渐暴露出来。一方面是农村金融机构资金充裕,另一方面农户贷款难日益严峻,农村金融市场资源配置亟待优化。为了了解农村金融供需矛盾成因,探寻化解矛盾有效途径,我们对全市金融机构小额信贷业务开展情况进行了调查,通过对调查结果 After years of practice, rural microfinance has achieved some success in increasing peasants’ income and increasing the efficiency of rural financial institutions. At the same time, however, it should be noted that with the rapid development of the rural economy and the influence and restriction of many internal and external factors, some deep-seated contradictions and problems in microfinance have gradually been exposed. On the one hand, there are abundant funds for rural financial institutions, and on the other hand, it is harder for rural households to make loans and the allocation of resources in rural financial markets needs to be optimized urgently. In order to understand the causes of the contradiction between supply and demand of rural finance and explore effective ways to resolve contradictions, we conducted a survey on the development of microfinance businesses in financial institutions across the city.