本文基于对广西部分农村地区的调查问卷,分析了农户融资的资金来源、用途、成本、非正规金融在农村局部地区独特而有效的运行机制,证实了非正规金融在满足农户的资金需求方面发挥着十分重要的作用.并在此基础上,对农村非正规金融的发展提出了对策建议,以期对推动农村金融发展的政策制定有所参考.“,”Based on the survey for rural household financing status made in some rural area of Gungxi,the thesis gives the analysis of financing source,usage,cost and operation system of informal finance,which is unique and effective,in rural area;the thesis gives proof of the importance of informal finance for rural area.And the thesis puts forward suggestions for rural informal finance to promote and provide reference for the rural finance development.