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中文摘要：
农户借贷资金的来源主要包括正规金融和非正规金融两个渠道。通过对陕西、甘肃两省897户农户进行入户调查，结果表明：农户融资更偏好于非正规渠道，贷款程序的复杂程度、利率高低、金融机构对农户的信任水平、家庭文化等是导致农户不选择正规融资的主要原因。
英文摘要：
There are two major aspects for farmers to borrow money： the formal credit and informal credit. Ac- cording to 897 questionnaire data about credit needs assessment of farmers from Shaanxi Province and Gansu Prov- ince, we find that farmers prefer the informal credit. On the basis, the paper studies the factors farmers consider when they borrow money from the formal credit. Then the results show that reasons leading to the phenomenon include the mistrust of banks, farmers dislike the way of loans, the complicated procedures, interest rate factors, farmer＇ subjective preferences to the relatives and friends and so on. At last, the paper puts forward policy recommendations to solve the issue.
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