消费信贷作为一项扩大内需，拉动经济增长的宏观措施之一，目前在许多大中城市已出台营运，但收效并不明显。这种情况下，有必要将消费信贷向农村发展，开拓农村消费市场。（一）农村消费市场广阔，发展潜力巨大。我国有１２亿人口，９亿在农村，农村人口对工业品和服务需求潜 As one of the macroeconomic measures to expand domestic demand and boost economic growth, consumer credit has been put into operation in many large and medium-sized cities at present but the effect is not obvious. Under such circumstances, it is necessary to develop consumer credit to rural areas and open up rural consumer markets. (I) The rural consumer market is vast with huge potential for development. China has a population of 1.2 billion and 900 million people in rural areas. The rural population has a latent demand for industrial products and services