中文摘要：

非正规金融是指非法定的金融机构（即非正规金融部门）所提供的间接融资以及个人之间或个人与企业主之间的直接融资，其存在表明已构建的正规金融体系无法满足现实与潜在需求。本文通过对温州农户借贷行为的调查问卷分析发现，相对于正规金融而言，非正规金融更能满足不同收入等级农户多样化的资金需求。在比较分析了农户在正规金融机构和非正规金融市场的融资状况的基础上，进一步探讨非正规金融市场的运行机制，最后分析了影响农户选择资金来源的因素，并对促进农村地区金融业健康发展提出若干政策建议。

英文摘要：

By means of using systematic data from questionnaire of rural household in Wenzhou, the paper discovers that the informal financial institutions have more ability to fit the farmer＇s various fund needs of different income grades by contrast to the formal ones. The authors further analyze the rural household financing condition in formal institutions and informal financial market, the operating mechanism in informal financial market, and the affecting factors of a rural household to choose which market they finance from. Finally, some corresponding policies in favor of developing rural finance are proposed.