我国的经济一直都是偏向城市的发展结构特点,在这种经济背景下相应的经济政策和策略都会发生偏移,根据城市和农村的不同情况来制定不同的策略,但我国的个人信贷业务在城市和农村中没有差别化,这就使得个人信贷业务在农村当中推进出现障碍。本文主要对目前个人信贷业务在拓展中农户当中遇到的障碍进行了分析,并提出了相关的对策和建议,以期能够给信贷相关单位一定的参考。 China’s economy has always been biased towards the urban development structure. Corresponding economic policies and strategies will be offset in this economic context, and different strategies will be formulated according to different situations in cities and rural areas. However, the personal credit business in our country There is no differentiation between urban and rural areas, which makes the personal credit business impeding obstacles in rural areas. This article mainly analyzes the obstacles that the personal credit business encounters during the expansion of farmer households and puts forward relevant countermeasures and suggestions in the hope of giving certain reference to the credit related units.