农村信用体系建设支持普惠金融发展的作用机制——基于信号传递模型的分析

Rural Credit System Construction to Support the Role of Inclusive Financial Development Mechanism ——Analysis of Signal Transmission Model

普惠金融旨在为社会所有阶层和群体建立起平等有效的金融服务体系,特别强调对农村地区和弱势群体的金融服务,制约普惠金融发展的关键因素是信息不对称。本文首先分析了普惠金融机构与农村小微经济体之间存在的信息不对称,通过信号传递模型论证得出"建立农村小微经济体信用信息平台,构建失信惩戒机制,能够增加信号粉饰成本和声誉损失",从而提高履约概率,促进农村普惠金融发展,在此基础上,从拓宽县域普惠金融征信体系覆盖面、加强农村信用信息平台开发及运用、强化守信受益失信惩戒机制和注重农村信用体系配套服务建设四个层面提出了政策建议。

Inclusive Finance aims to establish an equal and effective financial service system for all sectors and groups of the society, with special emphasis on the financial services of rural areas and vulnerable groups, and the key factors that restrict the development of inclusive finance. This paper analyzes the information asymmetry existing between the inclusive financial institution and the rural micro economy. Through the signal transmission model, we can establish the credit information platform of rural micro economy, construct the credit rating mechanism, increase the cost and reputation loss, improve the performance probability, promote rural economic development.