农村地区小额信贷问题关乎农村金融的发展，同时也是党中央落实三农政策的重要组成部分。文章依据云南省曲靖市经济技术开发区代表性村落及部门的239份问卷调研数据，运用二分类Logistic模型，对影响农村地区小额信贷需求问题的因素进行了实证分析。分析结果表明：当前农村小额信贷发展主要存在缺乏有效担保、贷款手续复杂等问题，其中资金短缺情况、申请信贷难度、发放的及时性、还款方式和服务质量等因素对小额信贷需求有极其显著的影响。针对问题，提出完善农户间小组联保机制和加强信贷员队伍建设等对策建议。%Rural microfinance problem have an effect on the development of rural finance,and it is also an im-portant part of the party central committee to carry out the policy of agriculture,rural areas and farmers. Based on the 239 questionnaires survey data of representative villages and departments of the economic and technological de-velopment zone in Qujing city,Yunnan province,by using the binary logistic regress model,this paper made an em-pirical analysis about the effect factors of rural microfinance demand. The results show that the current rural microfi-nance development has main problems such as lack of effective guarantee,loans formalities complexity. The shortage of funds,the difficulty of application for credit,the timeliness of issuing,the method of repayment and the quality of service have extremely significant effect on microfinance demand. For these problems,the corresponding suggestions contain improving the mechanism of the coinsurance group between farmers and strengthening the loan officer team construction,etc.
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