农户供应链消费信贷是银行适应农村产业化经营组织形式发展需要所推动的金融服务创新,它创新农户信贷物质基础和还款方式,优化农村消费信贷市场结构,从而拓展农户消费信贷市场。为促进其健康发展,应促进农户与龙头企业由商品买卖关系向利益共同体关系深化发展,促进农村金融机构合理定位及有序竞争,创新农村信贷市场信用信息体系建设,加强对农户消费信贷全过程管理,创新农户消费信贷保障及保险制度。 Consumer credit in rural supply chain is a financial service innovation promoted by banks in response to the needs of the development of rural industrial management organizations. It innovates the credit base and repayment method of rural households and optimizes the market structure of rural consumer credit so as to expand the consumer credit market in rural areas. In order to promote its healthy development, it is necessary to promote the deepening relationship between farmers and leading enterprises from the sale and purchase of goods to the interest community, promote the rational positioning and orderly competition of rural financial institutions, innovate the credit information system of rural credit market, and strengthen the whole process of consumer credit for farmers Management, innovation, consumer credit guarantee and insurance system.