农村个人信用体系建设研究——以宁夏平罗县为例  

The Research on the Construction of the Rural Personal Credit System——A Case of Pingluo County in Ningxia

作　　者：任建谋[1] 罗永军[1] 胡芯绮 REN Jianmou LUO YongJun HU Xinqi(Shizuishan Municipal Sub-branch PBC, Shizuishan Ningxia 75300)

机构地区：[1]中国人民银行石嘴山市中心支行,宁夏石嘴山753000

出　　处：《西部金融》2017年第8期62-65,共4页West China Finance

摘　　要：信用是金融的核心,也是运用金融手段缓解"三农"问题的前提条件,建立有效农户信用评估体系有利于拓展农民融资渠道,缓解农民"贷款难"问题。本文提炼出有益于平罗县农村个人信用试验区建设的经验和启示,深入剖析平罗县农村个人信用体系建设现状,并结合国外先进经验和平罗县农村个人信用体系现状,提出了农村个人信用体系的改进构想。一方面,设计适用于平罗县农户的信用评估指标体系作为信用体系建设的基础工具;另一方面,提出完善信息采集机制、建立信用奖惩机制、健全担保体系、建立征信数据库、注重农民信用意识培养等建议措施,完善信用体系建设。Credit is the core of finance, and is also prerequisite for using financial means to alleviate problems in agriculture, rural areas and farmers, therefore the establishment of an effective farmers credit evaluation system is conducive to expanding farmers＇ fi- nancing channels to alleviate difficulties in loans. The paper summarizes useful experience and enlightenment for the construction of ru- ral personal credit pilot zone in Pingluo county, deeply analyzes the status quo of the construction of the rural personal credit system in Pingluo county, and combined with foreign advanced experience and the status quo in Pingluo county, presents ideas on improving the rural personal credit system. On the one hand, a credit evaluation index system suitable for the farmers in Pingluo county is designed as the basic tool of the credit system construction. On the other hand, some measures should be taken to perfect the credit system construc- tion such as improving the information collection mechanism, establishing the credit reward and punishment mechanism, improving the guarantee system, establishing the credit information database and paying attention to cultivating farmers＇ credit awareness.

关 键 词：个人信用 信用评估 农村个人信用体系 

分 类 号：F832.2[经济管理—金融学]