农村信货消费群体的消费能力、消费观念、消费方式的变化,将对农村信贷及其结构产生重要影响农村信贷是农村金融体系最重要和最主要的组成部分。农村信贷的服务范围,包括服务农业生产资料与土地流转、农业产业化企业的生产经营、农村基础设施建设、农民消费、购房、子女升学乃至 The changes in the spending power, consumer attitudes and consumption patterns of rural credit consumer groups will have a major impact on rural credit and its structure. Rural credit is the most important and most important part of the rural financial system. The scope of services for rural credit, including the service of agricultural means of production and land transfer, the production and operation of agricultural industrialized enterprises, rural infrastructure construction, peasant consumption, purchase of houses, promotion of children and even