县域信用体系建设的现实探讨  

Feasibility of the County Credit System Construction

作　　者：阮德信[1] 

机构地区：[1]厦门理工学院信用研究所,福建厦门361024

出　　处：《重庆邮电大学学报（社会科学版）》2010年第6期130-133,共4页Journal of Chongqing University of Posts and Telecommunications(Social Science Edition)

基　　金：福建省社会科学规划课题:福建省企业信用体系建设研究(2008B2069)

摘　　要：县域经济是全国经济的基础,是连接城市现代文明与乡村综合发展的纽带和桥梁。县域信用体系是一系列信用制度安排的综合体现,对于促进县乡中小企业诚信经营、改善"融资难"局面、降低市场交易成本、构建和谐新农村都是一个任务重、意义大的时代课题,且已成为突破县域制度瓶颈,维系并促进县域经济社会健康有序发展的重要保障。其建设的现实思路和基本构架包括:领导机构组成、征信数据库构建、信用产品生产、信用市场培育、失信惩戒机制形成、信用运行模式与建设路径的选择。此外,农村信用文化、企业信用互助担保联合体、融资信用保险制度等也成为县域信用体系的有机组成内容。县域信用体系的成熟运行,将为建设省域乃至全国社会信用体系奠定基础。County economy is the basis for the national economy,which is a bridge between urban modern civilization and rural integrated development.County credit system is a series of comprehensive reflection of the credit system arrangements,which is a heavy task and significant contemporary issue for the promotion of SMEs＇ credit management at the county,township and village-level,for improvement of the ＂financing difficulty＂ situation,reducing transaction costs,and building a harmonious new countryside.The county credit system has become a bottleneck in breaking county institution and a key to the socio-economic healthy and orderly development of the County.The ideas and basic structure of its construction includs Leading institutions,Credit information database construction,Credit products,Credit market cultivation,Disciplinary mechanism of bad credit,the selection of credit operation mode and construction path.In addition,rural credit culture,Commonwealth Business Credit Mutual Guarantee,Financing credit insurance system has become an integral County credit system content.The maturity in running of the county credit system,will build the basis in provincial and even national social credit system.

关 键 词：信用 县域信用 现实探讨 

分 类 号：F830.6[经济管理—金融学]