我国乡村信用体系的构建研究

Research About Rural Credit System Construction of China

农为邦本,本固邦宁;乡村振兴,金融先行。在推进“乡村振兴战略”过程中,乡村信用体系建设是现代农村经济发展、农业产业繁荣、农民生活富裕的基石。本文依托局部知识论里的征信担保人模式、地缘背景中的乡村征信初步建设以及数字化转型下的农户信用评级机制大力培育村民的信用意识,建立一种具有可操作性的信用管理办法,提出乡村信用体系建设的方法和路径,构建乡村征信新生态。

Agriculture is the foundation of the country,and the foundation is solid and the country is safe;rural revitalization,finance first.In the process of implementing the rural revitalization strategy and building the rural financial ecology,the construction of the rural credit system is the cornerstone of the development of the modern rural economy,the prosperity of the agricultural industry,and the prosperity of farmers.This paper relies on the credit guarantor model in the theory of local knowledge,the preliminary construction of rural credit in the geographical background,and the rural household credit rating mechanism under the digital transformation to vigorously cultivate the villagers'credit awareness,form a set of effective credit mechanisms,and propose rural,method and path of credit system construction to build a new ecology of rural credit reporting.