普惠金融视角下农村信用体系重构探究  

Research on the Reconstruction of Rural Credit System from the Perspective of Inclusive Finance

作　　者：曾之明[1] ZENG Zhiming(Jnstitute of Local Finance, Hunan University of Commerce , Changsha , Hunan 410205, China)

机构地区：[1]湖南商学院地方金融研究所,湖南长沙410205

出　　处：《征信》2017年第9期30-34,共5页Credit Reference

基　　金：国家社会科学基金项目(16BJY176);教育部人文社会科学规划基金项目(12YJA790182);湖南省社会科学规划基金重点项目(16ZBD011)

摘　　要：建立健全的农村信用体系是普惠金融在农村推广和发展的关键。在分析我国农村信用体系的发展状况,并对衡阳农村信用体系的运作效果进行评价的基础上,可以看出,我国农村信用体系建设面临种种阻碍。为重构基于普惠金融的农村信用体系,应创新信用联合体模式,改善农村信用体系基础设施,健全农村信用抵押担保机制,改进信用管理技术,打造"数据库+网络"信用信息平台,健全守信激励和失信惩戒机制。The establishment of a sound rural credit system is the key to the popularization and development of inclusive finance in rural areas. Based on the analysis on the development of the rural credit system in China and the evaluation of the operation effect of the rural credit system in Hengyang, we can see that the construction of the rural credit system faces various obstacles. For the reconstruction of inclusive finance-based rural credit system, it＇ s necessary to innovate credit consortium mode, improve the infrastructure of rural credit system and the rural credit collateral and guarantee mechanisms, create credit information platform of ＂database plus network＂, and improve trustworthy incentive and disciplinary mechanism.

关 键 词：农村信用体系 普惠金融 金融基础设施 大数据技术 失信惩戒机制 

分 类 号：F832.1[经济管理—金融学]