人民银行新余市中心支行近日开展了对江西省新余市农村消费信贷发展状况的个案调查。调查表明:目前消费信贷在农村有着广阔的发展空间,广大农民对消费信贷有着迫切的需求,但要真正推动农村消费信贷业务的发展还存在诸多障碍。制度缺陷与环境约束制度缺陷。一是信用制度不完善。 Recently, Xinyu City Sub-branch of People’s Bank of China conducted a case investigation on the development of rural consumer credit in Xinyu City, Jiangxi Province. The survey shows that at present, consumer credit has a vast space for development in rural areas and the vast number of peasants have an urgent need for consumer credit. However, there are still many obstacles to the real development of rural consumer credit business. System Defects and Environmental Constraints System Defects. First, the credit system is not perfect.