This paper summarized the comparative advantages of informal financial institutions and formal finan-cial institutions in the credit business .A logistic grow th model of common development based on comparative advantages is established to study the credit growth rules and stability of the equilibrium points between the two types of financial institutions .The result shows that when formal finance and informal finance both have comparative advantages ,the stable equilibrium point of the balanced development of the two institutions is u-nique .And the two types of financial institutions will each occupy a number of credit funds suitable for their own conditions ;there is a positive correlation between the number of credit funds and the influence coefficient of one financial institution to another .%文章归纳了正规金融机构与民间金融机构在信贷业务方面的比较优势，构建了基于双方比较优势的Lo-gistic增长模型来研究民间金融机构与正规金融机构信贷资金增长规律及两类金融机构共同发展的平衡点及其稳定性。结果表明：在正规金融与民间金融都拥有比较优势的情况下，两类金融机构均衡发展的稳定平衡点是唯一的，双方将各占有与自身条件相适应的信贷资金数量，并且这一信贷资金数量与金融机构对其他金融机构的影响程度正相关。
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