农户借贷信任机制的演变逻辑与数治化金融模式创新  

On Evolution Logic of Peasant Household Credit Trust Mechanism and the Innovation of Digital Governance Financial Models

作　　者：任乐 王苗苗 曹方坤 王性玉 Ren Le;Wang Miaomiao;Cao Fangkun;Wang Xingyu(Business School of Henan University,Kaifeng 475004,Henan,China;HwaBao Securities Co.,Ltd,Shanghai 200122,China)

机构地区：[1]河南大学商学院,河南开封475004 [2]华宝证券股份有限公司,上海200122

出　　处：《征信》2023年第10期87-92,共6页Credit Reference

基　　金：国家社科基金重点项目(20AGL021);国家社科基金一般项目(19BGL155);河南省软科学研究计划项目(232400412029)。

摘　　要：农户借贷信任问题一直是普惠金融工作要解决的关键问题。随着社会信任谱系的演化,农户借贷信任逻辑和信任模式也必将发生改变。遵循社会信任谱系演化发展的规律,归纳不同阶段农户借贷信任机制的演变逻辑和借贷模式的演变规律,解析农户借贷关系信任、制度信任和数字信任机制重构的三重维度,进而构建基于融合信任观的数治化金融创新模式。研究结论对促进农村数字化普惠金融改革创新与实践,全面服务乡村振兴战略提供理论借鉴和路径选择。The issue of trust in peasant household credit has always been a key issue to be addressed in inclusive financial work.With the evolution of social trust pedigree,the trust logic and trust model of peasant household credit will inevitably change.Following the law of the evolution and development of social trust pedigree,this paper summarizes the evolution logic of peasant household credit trust mechanism and the evolution law of loan model in different stages,and analyzes the triple dimensions of the mechanism reconstruction of peasant household credit relationship trust,institutional trust and digital trust,and then constructs a digital governance financial innovation model based on the integrated trust concept.The research conclusion provides theoretical reference and path choice for promoting the innovation and practice of rural digital inclusive finance reform,and comprehensively serving the rural revitalization strategy.

关 键 词：农户借贷 信任机制 融合信任观 数治化金融模式 

分 类 号：F832.43[经济管理—金融学]