中文摘要：

优化农村金融服务,拓展农村消费,第一,要加快农村金融体制改革,完善农村金融体系,在发展现有金融机构的同时,大力发展民间中小金融机构;第二,要进一步发展农业政策性金融,增加贷款种类,实行有差别的利率优惠政策,扩大贷款范围;第三,要加快农村信用合作社改革,在相对落后地区重建信用社合作机制,在发达地区探索商业化运作模式,有效地解决资金短缺问题;第四,要积极开展农村消费信贷,如住房信贷、车辆信贷、家庭耐用消费品信贷、教育信贷等;第五,要建立有效的农业信用担保体系。

英文摘要：

China＇s rural consumption market is an important component of China＇s consumption market and the farmers is a huge consumer group.Financial support to the stimulation of consumption in rural areas can be effective in promoting the sustained,stable and healthy development of the national economy and it has great significance.The following financial measures about how to expand the rural consumption market are proposed： developing the rural credit cooperative vigorously;speeding up the diversification of the rural financial system reform;promoting consumer credit in rural areas;developing agricultural policy finance;and establishing an effective agricultural credit guarantee system.