农户信用信息基础数据库建设的思考——基于新疆视角

On Database Construction of Farmers' Credit Information——From the Perspective of Xinjiang

近年来,为有效支持农户发展生产,推动农村经济发展,各地涉农金融机构均不同程度地建立了农户信用档案,为农户提供信贷支持,但因重复建设也造成了资源的极大浪费。为使农户信用信息早日纳入全国统一的人民银行个人征信系统,实现全国农户信用信息的共享,本文借鉴浙江丽水市、重庆巴南州等内地发达城市的先进经验和作法,结合新疆农村和农户发展实际,对建设新疆农户信用信息基础数据库的可行性进行了客观分析,认为新疆可以以省为单位,以人民银行总行《农村信用体系建设基本数据项指引》为指导,以农户家庭为单位建立由农户基本情况、贷款归还情况、为他人担保情况、涉农金融机构对农户的授信额度等指标组成的电子信用档案,并建立与农户信用等级评定配套的农户信用评价指标体系,在此基础上建立"新疆农户信用信息基础数据库",从而统一信用信息的采集和评价标准,为新疆的"三农"经济发展服务。

In recent years, agriculture - related financial institutions have established farmers ＇ credit files in different degrees to provide credit support for farmers, to effectively support farmers to develop production, to promote rural economic development. However, repeated construction also caused great waste of resources. To enable farmers to credit information as soon as possible into a unified national People＇s Bank personal credit system and achieve national farmer credit information sharing, this paper, based on the advanced experience and practices in Lishui , Zhejiang, Banan, Chongqing in China, combining with the actual sit- uation of countrysides and farmers in Xinjiang, makes an objective analysis of the feasibility of the constructing farmers＇ credit information database in Xinjiang. It holds that Xinjiang can be considered as a provincial unit, guided by the People＇ s Bank＇ s Basic Data Entry Guidelines of Rural Credit System, establishes the electronic credit file consisting of such indicators as farmers＇ basic information, the return of the purchase price, the guarantee for others, credit line of agriculture - related financial institu- tions to farmers with household family as the unit and create a farmers＇ credit evaluation index system supporting farmers＇ credit rating. Based on this, establish Farmers＇ Credit Information Database in Xinjiang, to unify credit information collection and evaluation criteria for the development of agriculture, farmers and rural areas in Xinjiang.