以农村专业合作组织信用评级为切入点探索农村信用体系建设之路——江西省农村专业合作组织信用评级的实践与思考

Exploring the Path for Rural Credit System Construction Starting from Credit Rating of Specialized Rural Cooperative Organizations——Reflections on Practices of Credit Rating of Specialized Rural Cooperative Organizations in Jiangxi

农村专业合作组织作为近些年农村经济发展中的新成员,发挥了很好的作用,但在初期与农村金融的合作磨合中存在着制度上、操作上的瓶颈制约。中国人民银行江西赣州市中心支行积极探索"农村专业合作组织+征信+信贷"征信模式,选择赣州市辖内兴国、安远、龙南三县的农村专业合作组织开展试点,试图解决农村合作组织与农村金融合作难的问题,促进农村合作组织融资,培育农村信用评级市场。

Specialized rural cooperative organizations have played a good role in rural economic development in recent years as a new member.However,there are institutional and operational bottleneck constraints in the early cooperation with rural financial system.Ganzhou City Central Branch,the People′s Bank of China has actively explored the ＂rural economic organization＋credit reference＋credit loan＂ credit reference model,choosing the specialized rural cooperative organizations in such three places as Xingguo,Anyuan,and Longnan in Ganzhou City,Jiangxi province for a trial,trying to solve the difficult problems for rural cooperative organizations when cooperating with rural finance,so as to promote rural cooperative financing,and foster rural credit rating market.