近年来，随着农村经济的不断发展，农村居民生活消费发生了翻天覆地的变化，与之相适应的农村信贷需求亦应运而生。但作为银行业新的利润增长点的消费信贷，在农村地区的发展却异常缓慢，本文试从山东省沂水县农村消费信贷市场的发展现状，分析、研究拓展农村消费信贷市场空间 In recent years, with the continuous development of rural economy, the living consumption of rural residents has undergone tremendous changes, and the corresponding needs of rural credit have also emerged. However, as the new profit growth point of the banking industry, consumer credit has been developing very slowly in rural areas. This paper tries to analyze and study the development of rural consumer credit market from the current situation of rural consumer credit market in Yishui County, Shandong Province