The Microscopic Construction Of The Rural Credit System

China is a large agricultural country, farmers accounted for the majority of the country's population. In such a state, the "three rural issues" have become the focus of attention of the state and society. Presently, one of difficult problems hindered the agricultural and rural economic development significantly is that the rural financial development is insufficient, the peasant hold loan is difficult, the countryside small and medium-sized enterprise finances difficultly, which causes the farmers' income grows slowly and the countryside small and medium-sized enterprise develops slowly. That contains many in-depth reasons and actual problems; undoubtedly, the rural credit condition is one of the important reasons.The credit is not only an ancient topic, but also an evergreen topic. In the last few years, many domestic research treatises focus on society credit system or individual, the enterprise credit, but scarce of them specially aimed at the countryside area credit system. Therefore, the paper talk about credit related concepts firstly. Secondly, discuss the rural credit system from the following aspects: the concept and construction presumption of the rural credit system,the necessity of the construction of the rural credit system and breakthrough points and targets of the construction of the rural credit system. Thirdly, raise the approaches of the microscopic construction of the rural credit system based on all-around analysis of the current rural credit environment, including construction of its legal support system, establishing and improving its credit rating system, improving its credit guarantee system and its monitoring mechanism etc. Additionally,expatiate the credit of rural grassroots government and its actions in the construction process of the rural credit system, propose some countermeasures considering from credit culture and credit ethics.The paper explore the problems in the construction of the rural credit system comprehensively, microscopic and systematically based on the principle of theory to reality, insisting the methods of uniting normative analysis and empirical analysis, qualitative analysis and quantitative analysis etc. Inquiring into the problem of the rural credit construction, seeking the way to construct the rural credit system, improving the rural credit environment, enhancing the credit level of peasant and the countryside small and medium-sized enterprise have extremely vital practical significance and theory value to promote the agriculture and the rural economy development, increase the farmers income and construct harmonious countryside.