A Comparative Analysis of the Use of Microfinance and Formal and Informal Credit by Farmers in Less Developed Areas of Rural China Xiangping Jia, Hao Luan, Jikun Huang and Zuowen Li,2015:” A Comparative Analysis of the Use of Microfinance and Formal and Informal Credit by Farmers in Less Developed Areas of Rural China”, Development Policy Review, 2015, 33 (2): 245-263