Through selecting the typical counties and cities, the paper focused on the impact factors of credit demand and credit level of farmers, refined characteristics of farmers credit demand and provided the basis for innovation of rural credit supply. And the paper indicates that the innovation can pay attention to innovation of organization and production.%通过选取典型县市调研分析,对农村信贷需求的影响因素和需求层次进行考量,提炼农村信贷需求层次性特点,为农村信贷供给的创新提供依据,并提出模式创新应关注组织创新和业务创新2个方面.
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