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本文在对江苏农村中小企业融资现状调查基础上,分析了苏南、苏中、苏北地区农村中小企业金融需求特征,并运用多无回归分析探讨了影响农村中小企业金融需求的主要因素.本文研究认为,农村中小企业金融需求意愿受到抑制,但各区域经济发展程度不同,农村中小企业需求的影响因素存在差异.经济发达地区农村中小企业借贷主要与企业资产规模、企业年龄相关,而在经济较为落后的地区,企业资产规模、企业年龄与企业盈利能力等因素都会影响到农村中小企业的借贷.“,”In this paper,based on the survey of SEM financing in rural areas of JiangSu,analysis the financial needs characteristics of SMEs in rural areas of south,central and north JiangSu,and discussed main factors that impact the financial needs of small and medium enterprises in rural areas.This study suggests that financial needs of small and medium enterprises in rural areas would be subdued,however,different levels of regional economic development in rural areas the factors that impact the needs of rural SMEs are different.The developed regions,rural SME credit related to corporate asset size,business age and business taxes,While factor such as the underdeveloped areas,enterprise asset size,business age and profitability of the business will affect rural small and medium enterprises credit.