信用体系建设:优化农村公共金融服务的基础  

Rural Credit System Construction:Foundation of Promoting Public Financial Service

作　　者：楚晓光[1] 韩质栩[2] 

机构地区：[1]中国人民银行济南分行,山东济南250021 [2]山东大学经济学院,山东济南250100

出　　处：《金融发展研究》2012年第4期39-42,共4页Journal Of Financial Development Research

摘　　要：农村信用体系是社会信用体系的组成部分,完善农村信用体系对公共金融服务有着重要促进作用。本文从公共金融服务的内涵和农村信用自身特点入手,揭示了它们之间的内在联系,并通过对山东省寿光市的具体实践进行分析,发现完善农村信用体系能够节约公共金融服务成本、扩大公共金融服务范围、增加弱势群体融资机会。The rural credit system is an integral part of the social credit system,and improving the rural credit system plays an important role in promoting public financial service.First,this paper discusses the internal relations of the rural credit system construction and financial service by introducing the internal connection of public finance and rural credit;Then through analyzing the practice of rural credit system in Shouguang,we conclude that improving the rural credit system has great effect for saving the cost of public financial service,expanding the range of public financial service,increasing the funding opportunity for farmers and SMEs.Finally,we make the conclusion and proposition for the further development of the rural credit system.

关 键 词：农村信用体系 公共金融服务 寿光模式 

分 类 号：F830.34[经济管理—金融学]