中文摘要：

随着农业现代化进程的加快，农户收入结构的多样性对农村金融服务提出了多元化需求，农户的经济行为特征和资金需求特征对其融资行为具有十分重要的影响。农户是农村地区社会经济的微观基础，其融资行为对农村经济的发展和社会的稳定具有重要的作用。通过在对新疆250户农户进行调查的基础上，对农户融资及融资问题的现状进行了分析，结果表明：农户在融资信息、融资渠道、资金指导方面都存在一定的制约和障碍，很难满足不同类型农户的多元化金融需求。该地区应借鉴其他地区农村金融体系的先进经验，建立一个多种供给主体广泛参与、分工有序、适度竞争的农村金融体系。

英文摘要：

With the accelerated advancement of agricultural modernization, the diversity of farmers＇ income structure put forward the di- versified demand to rural financial services. The farmers＇ economic behavior and capital requirements characteristics have very important influence on the financing behavior. Farmers are the micro-foundations of social economy in rural areas, and the financing behavior plays an important role in the development of rural economy and social stability. Investigating 250 farmers in Xinjiang and analyzing the status quo and problems of farmers＇ financing, the resuhs show that financing information, financing channels, and capital guidance have certain constraints and obstacles, which are difficult to meet the diversified financial needs of different types of farmers. The government should draw lessons from advanced experience in other parts of the rural financial system, establish a variety of supply subject participation wide- ly, orderly division of labor and moderate competitive rural financial system.