“信用画像+金融活水”双轮驱动乡村振兴路径探析  

Analysis on the Path of Rural Revitalization Driven by the Dual-Wheel Model of“Credit Portrait+Financial Resource”

作　　者：孔梦梦 左丽敏 Kong Mengmeng;Zuo Limin(Shanxi Open University,Taiyuan,Shanxi,030027;Taiyuan Open University,Taiyuan,Shanxi,030024)

机构地区：[1]山西开放大学,山西太原030027 [2]太原开放大学,山西太原030024

出　　处：《山西开放大学学报》2025年第2期107-112,共6页Journal of Shanxi Open University

基　　金：山西省社会科学界联合会2024年度重点课题“山西省‘金融+信用’乡村振兴模式创建路径研究”(SSKLZDKT2024207);2023年度山西省哲学社会科学规划课题“信用修复助力信用(山西)建设高质量发展路径创新研究”(2023YY395);山西省教育科学“十四五”规划2023年度规划课题“学校诚信文化教育创新发展路径研究——以社会信用体系系统化建设为背景”(GH-230350)。

摘　　要：2025年中央一号文件明确提出了深化农村信用体系建设与涉农信用信息共享的战略要求。在此背景下,山西省积极探索涉农信用信息的整合路径。以“信用画像+金融活水”双轮驱动模式为切入点,通过整合多维度数据,构建动态信用评估体系,创新开发适配性金融产品,推动乡村产业振兴与金融资源精准配置,破解农村金融供需矛盾,进一步推进乡村振兴。然而,实践中仍面临农村信用体系建设不完善、金融服务供给结构性失衡、法律制度保障缺失与政策协同不足三重核心困境。为此,应构建“技术赋能精准画像-产品创新适配需求-立法保障制度根基-机制重构长效协同”的系统性改革框架,将“双轮驱动”的理论优势转化为高质量发展的实践效能,助力乡村振兴。The 2025 No.1 Central Policy Document explicitly proposes strategic requirements for deepening the development of rural credit systems and promoting the sharing of agricultural-related credit information.In Shanxi Province,active explorations have been made in integrating agricultural credit information.Against this backdrop,the“credit profiling+financial resource”allocation dual-drive model serves as a key entry point.By consolidating multi-dimensional data to construct a dynamic credit assessment system and innovating tailored financial products,this model aims to advance rural industrial revitalization,optimize the precision of financial resource allocation,address the supply-demand mismatch in rural finance,and further propel rural revitalization.However,practical implementation still faces three core challenges:incomplete rural credit system development,structural imbalance in financial service provision,and insufficient legal safeguards and policy coordination.To resolve these issues,a systematic reform framework should be established,encompassing technology-driven precision in credit profiling,product innovation to meet diversified needs,legislative safeguards for institutional foundations,and mechanism restructuring for long-term synergy.This approach will translate the theoretical advantages of the“dual-drive”model into practical outcomes for high-quality development,thereby accelerating the realization of rural revitalization goals.

关 键 词：信用画像 金融“活水” 法律保障 政策协同 乡村振兴 

分 类 号：F323[经济管理—产业经济]