西部地区农村征信体系建设模式研究  

Study on the Construction Pattern of Rural Credit Reference System in Western Regions

作　　者：高云峰[1] 王子键[1] 

机构地区：[1]西南大学经济管理学院,重庆400716

出　　处：《征信》2012年第4期27-30,共4页Credit Reference

基　　金：国家社会科学基金项目(09BJY057)

摘　　要：以西部地区农村征信体系建设模式为研究对象,运用信息不对称理论的研究方法分析征信体系建设在消除农村信贷配给困境中的作用,对公共征信系统主导型征信模式和私营征信机构主导型征信模式的整体优势和所需制度条件进行比较,并依据西部农村经济与金融发展的区域特征,提出政府先行、市场跟进的征信体系建设的对策建议。This paper focuses on the construction patterns for rural credit reference system in western regions. An analysis is made on the effect of credit reference system in relieving rural credit loan difficulties by using asymmetric information theory. A comparison is made for the overall advantages and necessary institutional conditions of credit reference patterns between public credit reference system - oriented and privately - run credit institutions, Then, the paper proposes countermeasures for credit reference system construction ＂priority to the governments, then market in place＂ based on the regional characters in terms of rural economy and financial development in the western regions.

关 键 词：西部地区 农村征信体系 建设模式 

分 类 号：F830.58[经济管理—金融学]