摘要：伴隨著農民收入水平的提高和農村消費市場的發展，農民對消費信貸的需求也開始出現并呈逐步增多的趨勢。本文以農村消費信貸為研究對象，對其發展過程，主要阻礙因素進行探析，如：農民對信貸消費缺乏認識，農民的信用制度尚未建立，信貸制度不健全等。針對以上問題為我國農村消費信貸的健康發展提出一些自己的見解：一是要提高農村居民收入，健全農村社會保障制度；二要完善農村消費信貸的社會環境；三是健全農村消費信用制度，四是要營造良好的金融服務體系，五要轉變農村居民消費信貸觀念。

關鍵詞：消費信貸  信用體系  社會環境

Abstract：With the farmers' income and raising the level of the development of the rural consumption market, the farmers to the demand of consumer credit also begins to appear and have been gradually increasing trend. This paper rural consumer credit as the research object, its development process, the main obstruction factors analysis, such as: farmers to credit the lack of understanding of consumption, farmers' credit system has not been set up, the credit system is not sound, etc. According to the problems for the healthy development of the rural consumer credit to put forward some opinions: one is to improve the rural residents' income, perfect countryside social security system; Second, we need to improve rural consumer credit social environment; Three is perfect countryside consumption credit system, and the fourth is to build a good financial service system, five to change the rural consumer credit concept. 

Key words：Consumer credit; Credit system ;Social environment