Based on household survey data, this article shows that farmers' demand for credit in poor areas of rural China has increased significantly in recent years, and credits from various sources are used differently in production and consumption. For example, microfinance is used primarily in livestock and non‐agricultural investments, formal credit is often used in crop production, and informal credit is largely used to meet farmers' consumption requirements. Developing a complementary system with various financial channels in rural China, particularly for non‐governmental microfinance, is crucial for meeting farmers' rising demand for credit in both production and consumption.

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Three new mononuclear Cu(II) and Co(III) complexes [Cu(L)Cl]ClO 4 (1), [Cu(L)Cl(SCN)] (2), and [Co(L)(N 3 ) 3 ] (3), where L is a reduced Schiff-base ligand bi(2-fluorobenzylaminoethyl)amine, were synthesized and characterized. X-ray crystallographical analysis reveals that the Cu(II) atom adopts a square-planar environment in complex 1, while the geometry in 2 can be described as distorted square-pyramidal. The Co(III) atom in 3 is in a distorted octahedral geometry. Three complexes were investigated for their inhibitory activities in vitro against jack bean urease. The Cu(II) complexes 1 and 2 were found to have excellent inhibitory activities. The Co(III) complex 3 was also shown to have activity comparable to that of acetohydroxamic acid.