互联网金融下农村征信体系的优化与机制构建  

Optimization and Mechanism Construction of Rural Credit System under Internet Finance

作　　者：张燕[1] 刘福临 

机构地区：[1]华中农业大学文法学院

出　　处：《宏观经济研究》2018年第8期131-141,175,共12页Macroeconomics

基　　金：教育部人文社会科学研究规划基金项目“我国耕地生态补偿制度法治化研究”(批准号:15YJA820040)的阶段性研究成果

摘　　要：完善与优化农村征信体系，对于促进农村金融生态发展，形成良性循环的金融环境具有重要的意义。互联网金融凭借大数据技术和便捷式交易手段，在增强金融普惠性的同时推进了农村新一轮的金融改革。当前，中国发展农村金融的征信整体环境还不理想，表现在信用功能弱化、信贷结构失衡和征信立法缺位等方面。针对上述已出现的问题，本文利用互联网金融发展这一契机，从农村征信的角度进行相关性研究，在梳理传统征信理论的基础上，对农村现有的征信环境进行审视，并提出新时期下农村征信系统的优化路径，通过“互联网＋”模式与征信理念相结合，从信用立法、信息共享、征信安全、风险防控等方面提出机制构建对策，以优化农村征信体系，完善农村金融生态环境。Improving and optimizing the rural credit system is of great significance for promoting the development of rural financial ecology and forming a virtuous circle of financial environment. With big data technology and convenient trading methods, internet finance has promoted a new round of financial reform in rural areas while enhancing financial inclusiveness. At present, the overall environment for the development of rural finance in China is still not ideal, which is mani- fested in the weakening of credit function, the imbalance of credit structure and the absence of credit legislation. In view of the above - mentioned problems, this paper takes the development of internet finance as an opportunity to conduct research on the relationship of rural credit repor- ting. On the basis of combing the traditional credit theory, this paper examines the existing credit environment in rural areas and proposes new ones. During the period, the optimization path of the rural credit system, through the com- bination of the ＇ Interuet ＋ ＇ model and the credit concept, proposes countermeasures from the aspects of credit legislation, information sharing, credit security, risk prevention and control, etc. in order to optimize rural credit system and improve rural ecology environment.

关 键 词：互联网金融 征信体系 机制构建 农村金融 

分 类 号：F832.4[经济管理—金融学] F323