我国农村信用体系建设存在的问题与对策建议  

Problems and Countermeasures of Rural Credit System Construction in China

作　　者：李真[1] 高旗胜 戎蕾 LI Zhen;GAO Qi-sheng;RONG Lei

机构地区：[1]清华大学金融科技研究院 [2]清华大学五道口金融学院

出　　处：《农村金融研究》2022年第3期63-71,共9页Rural Finance Research

基　　金：国家乡村振兴局2021年度软科学课题项目“我国乡村信用体系建设与创新理论研究”的研究成果。

摘　　要：农村信用体系作为将金融之水引入经济之田的渠,有助于发挥农村金融对农村经济的促进作用。完善的农村信用体系可以提高农村经济主体对金融资源的获得性,为农户等弱势群体提供低门槛的金融服务。但目前我国农村信用体系建设主要存在农村征信工作权责边界不清、农村信用信息共享难、农村信用贷款风险较高和农户信用观念普遍较为淡薄等问题。未来需进一步厘清农村信用体系建设主体的职责边界,重视金融科技的赋能作用,强化农村金融基础设施建设,扩大信用宣传覆盖面,创新评级授信模式,丰富信用评级结果的应用场景。As a channel to introduce the water of finance into the field of economy,the rural credit system contributes to the promotion of rural finance to rural economy.A perfect rural credit system can improve the access of rural economic subjects to financial resources and provide low-threshold financial services for farmers and other disadvantaged groups.However,there are four problems in the construction of rural credit system in China:unclear rights and responsibility boundary of rural credit investigation work,difficulties in sharing rural credit information,high rural credit loan risk,and weak credit concept of farmers.It is necessary to further clarify the responsibility boundaries of construction subjects,value the empowering role of financial technology,strengthen the construction of rural financial infrastructure,expand the coverage of credit publicity,innovate rating and credit granting models and enrich the application scenarios of credit rating results.

关 键 词：乡村振兴 农村信用体系 农村金融 信用重建 

分 类 号：F832.35[经济管理—金融学]