Rural finance can not only provide credit services for agricultural production, but also increase the rural residents circulation of funds, stimulate rural residents to invest and consumption, the total consumption of this group can effectively drive China's economic growth, and the main form of rural finance is rural credit. China's economy has entered the new normal development stage, and the economic construction has shifted from "quantity" to "quality", and China's rural residents account for a large proportion of the consumer groups, and the consumption level of rural residents is related to the overall consumption level of China. Therefore, the credit business in rural finance should be valued, and this paper tries to explore the relationship between rural credit and rural residents' consumption.