Based on the survey data of 1849 farmers in Jiangsu Province， this paper uses the entropy method to construct the index system and empirically examines the influencing factors of Internet financial exclusion for farmers from the perspective of financial demand. The results are as below: the Internet financial exclusion of farmers is at a moderate level， and for the sub-indicators， the loan exclusion， the investment exclusion and the payment exclusion show different degrees， from high to low in order； the demand factors have a significant impact on farmers’ Internet financial exclusion， while there are differences in the formation mechanism in the investment exclusion， the loan exclusion and the payment exclusion； heterogeneity analysis shows that farmers with high traditional financial exclusion are influenced by external constraints to a larger extent， and farmers with the loan demand suffer more from the absence of subjective trust， Internet skills and electronic devices， while farmers in poor counties are more likely to be excluded from the Internet finance due to the lack of financial demand， skills in using electronic devices and policy information. Conclusions of this paper may provide policy references for promoting the inclusive finance in rural areas.