农村信用体系试验区建设实践探索及影响因素分析——以江苏省为例

Practice of Constructing the Pilot Areas for Rural Credit System and Analysis on Their Influencing Factors——Case of Jiangsu Province

以江苏省各县市的农户和金融机构调查数据为基础,运用Probit计量经济模型,对影响农村信用体系建设成效发挥的相关因素进行实证分析,结果表明:农户受教育程度、对信用体系建设了解参与程度等五方面因素以及评估体系构建、担保机制建设、征信宣传教育等七方面因素,均对信用体系建设的成效发挥产生显著影响。因此,应从完善农村信用担保机制、加强征信宣传教育等多方面推进农村信用体系试验区建设,促进其成效的发挥。

Based on the survey data of farmers and financial institutions from the cities or counties in Jiangsu prov- ince, by using the Probit econometric model, an empirical analysis is made on the related factors influencing the ef- fectiveness of the rural credit system construction. The results show that five factors such as farmers＇ educational levels, understanding and participation of the construction, etc. and seven factors such as the evaluation system construction, the credit guarantee mechanism, the publicity and education of credit reporting, etc. have had signifi- cant effect on the effectiveness of the rural credit system construction. Therefore, we should promote the construction of the pilot area construction and enhance its effectiveness by improving the rural credit guarantee mechanism and strengthening the credit publicity and education.