农村信用救助工作的有效性与持续性思考——以四川省广元市为例

Research on the Effectiveness and Sustainability of Rural Credit Assistance Work: A Case Study of Guangyuan City in Sichuan

信用救助是对非恶意失信主体实施特殊金融扶持政策的一系列救助措施,旨在帮助各类经济主体重建信用、重获贷款、发展生产。四川省广元市基于脱贫攻坚过程中农户信用救助实际,探索“六个聚焦”的信用救助模式,取得了明显成效。同时发现存在救助主体涵盖范围不足、救助主体识别有难度、金融机构救助动力不足、救助主体参与意愿不足等问题。提出深化部门协作形成长效工作合力、完善救助流程进一步适应新发展要求、加大信息共享精准识别救助主体等政策建议,期望通过完善农村信用救助机制破解农村非恶意失信经济主体获贷困境。

Credit assistance is a series of relief measures to implement special financial support policies for non-malicious defaulting subjects, aiming to help various economic subjects rebuild their credit, regain loans and develop production. Based on the reality of farmers’ credit assistance in the process of poverty alleviation,Guangyuan City in Sichuan Province explored the credit assistance model of "six focuses" and achieved remarkable results, and at the same time found that there are problems such as insufficient coverage of assistance subjects,difficulty in identifying assistance subjects, insufficient motivation of financial institutions to provide assistance, and insufficient willingness of assistance subjects to participate, etc. Policy suggestions were made to deepen departmental collaboration to form a long-term working force, improve the assistance process to further adapt to the new development requirements, and increase information sharing to accurately identify the assistance subjects, in the hope of improving the rural credit assistance mechanism to crack the dilemma of obtaining loans for nonmalicious dishonest credit economic subjects in rural areas.