Based on the analysis of 268 survey data of farmers, it paper finds out that： farmers are facing large demands for production and high consumption which can＇t be met through the formal financial agency; working out or loaning from informal financial agency would be an important method to ease the farmers＇ financial constraints; the informal financial agency is hard to meet farmers＇ demand considering the amount, the costs and the time limit of the loan, while the income of working out can ease farmers＇ financial constrain. Then this paper ...
