农户借贷需求的满足是由正规金融和非正规金融共同完成的，在当前农村农户借贷市场上，非正规金融的作用尤为重要。

The borrowing demand of rural farm households is satisfied by the formal institution and informal lender, and informal lender is more important currently.

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农村金融的核心问题是农户的金融需求尤其是借贷需求无法满足。

Rural Finance's core issue is the financial needs of farmers, particularly unable to meet farmers 'loan demand.

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