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＂三农＂问题一直是党和国家非常关心的问题。当前,随着我国新农村建设的稳步推进,人们生活水平逐步提高,取得了巨大的成绩,但同时,我国农村信用体系的建设却不尽人意,农户及农村中小企业的资金需求难以得到满足,究其原因就是我国农村信用体系建设不够完善。本文从理论角度出发,对我国农村信用体系的涵义进行了阐述,介绍了当前我国构建农村信用体系的紧迫性,并分析了影响当前我国农村信用体系建设的因素,结合我国实际发展国情,对农村信用体系的构建提出可行性发展建议。“,”The＂three rural＂issue has been a party and the country is very concerned about.At present,with the construction of new countryside in China steadily,gradually raise the living standards of people made great achievements,but at the same time,the construction of China＇s rural credit system is unsatisfactory,farmers and the funding needs of in rural areas is difficult to be met,The reason is that China＇s rural credit system is not perfect.From the theoretical point of view on the meaning of China＇s rural credit system were described on the current construction of the urgency of the rural credit system,and analyzes the impact of current rural credit system factors,combined with the actual development of China＇s national conditions,in rural Credit System of the feasibility of development proposals put forward.