Abstract: This paper took the random data from flatfish aquaculture enterprises as a sample, and used the variance analysis to study the difference in the lending channels, the reason of loan dilemma and the lending institution. The results showed that whether aquaculture producers used personal or business credit to obtain loans was affected significantly by the region factor. The level of understanding relevant financial policies was affected significantly by aquaculture producers’ education degree. And whether the aquaculture producers could get loan from Postal Savings Bank of China was affected by the scale of farming. At the same time, this paper pointed out that some factors such as the lack of financial products’ diversity, the lack of collateral and the insufficient of available collateral value, the complexity of lending procedures, high interest rates, lower cultural degree of aquaculture producers and the size discrimination impeded aquaculture producers to get formal loans. Finally, this paper put some policy recommendations to improve aquaculture enterprises formal loan dilemma.