Agriculture is the foundation of the country,and the foundation is solid and the country is safe;rural revitalization,fi-nance first.In the process of implementing the rural revitalization strategy and building the rural financial ecology,the construc-tion of the rural credit system is the cornerstone of the development of the modern rural economy,the prosperity of the agricultur-al industry,and the prosperity of farmers.This paper relies on the credit guarantor model in the theory of local knowledge,the preliminary construction of rural credit in the geographical background,and the rural household credit rating mechanism under the digital transformation to vigorously cultivate the villagers'credit awareness,form a set of effective credit mechanisms,and propose rural,method and path of credit system construction to build a new ecology of rural credit reporting.