农民专业合作社信用评价体系探索与路径选择

Exploring Credit Evaluation System for Professional Peasant Cooperatives and Path Selection

近年来,农民专业合作社蓬勃发展,其在农村经济发展中的作用日益显现。当前农民专业合作社发展面临如下主要问题:银、社信息不对称,金融介入风险较大;经营能力较弱,经济实力不强;缺乏有效抵押,担保机制不完善;承贷主体不明确,信息采集难度大;农村信用体系建设滞后,无统一的信用评价指标。为构建专业合作社信用评价体系,应加快农村信用体系建设相关法律法规和制度建设,构筑农民专业合作社信用评价指标体系,完善农民专业合作社信用等级评定,引导金融机构加大金融服务创新力度,加快农村信用体系建设及相关知识普及。

In recent years, vigorous development has been made in professional peasant cooperatives, which has played increasingly apparent role in the development of rural economy. However, some major problems are confront- ed with the development of professional peasant cooperatives, such as asymmetric information between banks and cooperatives, hence greater financial intervention risk; weak management capacity and not strong economic strength; inadequate guarantee mechanisms due to lack of effective collateral; difficult to collect information because of un- clear subject borrowers ; lack of unified credit evaluation indicators because of rural credit system lagged behind. It necessary for establishment of a professional cooperative credit evaluation system to speed up construction of laws and regulations related to rural credit system and institutional building, to build credit evaluation index system for the professional peasant cooperatives, to improve credit rating for professional peasant cooperatives, to guide the financial institutions to innovate financial services, and to accelerate construction of rural credit system and publicity of related know - how.