农村金融是农村经济发展的重要支柱,农村小额信贷的发展又对农村金融的发展起着至关重要的作用。然而,在农村信贷市场发展过程中,农户和村镇银行均产生了严重的惜贷情绪,大大阻碍了农村金融市场的发展。基于此,本文对唐山市H镇村镇银行及H镇所辖行政村的145户农户进行数据调研,即从需求视角对影响农户惜贷情绪的影响因素进行实证检验,又从供给视角对H镇村镇银行的内部管理结构与信贷风险进行分析。最后,本文分别从供给方面和需求方面及政策方面提出缓解双方“惜贷”情绪的建议。 Rural finance is an important pillar of rural economic development. The development of rural microfinance plays a crucial role in the development of rural finance. However, during the development of rural credit market, both rural households and rural banks have had serious looting sentiment, which greatly hindered the development of rural financial markets. Based on this, this paper investigates the data of 145 farmer households in H Town Township of Tangshan and H Township administrative villages, that is, from the perspective of demand, it conducts an empirical test on the influencing factors of farmers’ pity of loans, and from the supply perspective, Analysis of Internal Management Structure and Credit Risk of Village Bank. In the end, this article puts forward some proposals to mitigate the emotion of both parties on the supply side, the demand side and the policy side respectively.