农户信用信息系统建设模式的比较分析及路径探讨

A Comparative Analysis on the Construction Model of Peasant Household Credit Information System and Its Construction Path

总结湖南省各县域地区建设农户信用信息系统的经验,分析三种不同主体主导下的农户信用信息系统建设的优势和劣势,提出改进现有建设模式的建议:提高建设层级,以“主库+子系统”的方式加强省级和县域地区的联动;实施“政府+市场”双轮驱动,促进不同主体之间的优势互补,并考虑在适当时期引入市场化机制。

This paper summarizes the experience of constructing peasant households’credit information system in each county of Hunan province,analyzes the advantages and disadvantages of constructing peasant households’credit information system dominated by three different subjects,and puts forward some suggestions for improving the current construction model.We should improve the construction level,and strengthen the linkage between the provincial and county regions in the form of“main warehouse+subsystem”;implement a“government plus market”two-wheel drive to promote complementary advantages among different players;and consider introducing a market-based mechanism at an appropriate time.