摘要：伴随着农民收入水平的提高和农村消费市场的发展，农民对消费信贷的需求也开始出现并呈逐步增多的趋势。本文以农村消费信贷为研究对象，对其发展过程，主要阻碍因素进行探析，如：农民对信贷消费缺乏认识，农民的信用制度尚未建立，信贷制度不健全等。针对以上问题为我国农村消费信贷的健康发展提出一些自己的见解：一是要提高农村居民收入，健全农村社会保障制度；二要完善农村消费信贷的社会环境；三是健全农村消费信用制度，四是要营造良好的金融服务体系，五要转变农村居民消费信贷观念。

关键词：消费信贷  信用体系  社会环境

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