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改革开放20多年来,农村经济得到了全面、长足的发展,农村生产生活条件得到了很大改善,绝大部分农民已告别温饱与贫穷,正在向小康迈进,这为农村信用社发展消费信贷业务创造了必要的前提条件。但从目前农村消费信贷市场的发展状况看,消费信贷业务与农村消费需求之间还存在较大的差距,信贷市场启而不动,蓄而不发。面对农村消费信贷市场巨大的需求潜力,如何采取有效措施,积极稳妥地开展消费信贷业务,启动农村消费市场,已成为农村信用社急需研究解决的一项重要课题。
Over the past 20 years since the reform and opening up, the rural economy has enjoyed comprehensive and rapid development. Rural production and living conditions have been greatly improved. Most peasants have already bid farewell to food and clothing and poverty and are moving toward a well-to-do level. This has helped to develop consumer credit business for rural credit cooperatives Created the necessary preconditions. However, judging from the current development of the rural consumer credit market, there is still a large gap between the consumer credit business and rural consumer demand. The credit market has remained intact, with no further growth. Faced with the huge demand potential of the rural consumer credit market, how to take effective measures to carry out the consumer credit business actively and steadily and start the rural consumer market has become an important issue urgently needed by rural credit cooperatives for research and solution.