赋能乡村振兴的农村信用体系运用与完善  

Empowering Rural Revitalization Through the Application and Improvement of the Rural Credit System

作　　者：伍雪静 WU Xue-Jing(Party School of Shannan Committee of CPC,Shannan,Tibet,856000,China)

机构地区：[1]中共山南市委党校,西藏山南856000

出　　处：《武汉商学院学报》2025年第1期67-72,共6页Journal of Wuhan Business University

摘　　要：完善农村信用体系,使农村零散的信用信息集中化、信用评价客观化、信用评价服务多元化、信用评价结果运用社会化,可以激活农村沉睡的信用资产,进而促进乡村振兴。当前,我国农村信用体系建设存在信息归集度不高、信用评价独立性不强、信用评级市场竞争不充分、信用评价结果运用社会化程度低等问题,农村经营主体被信任难度依然较大。为发挥信用对乡村振兴的促进作用,需要建立健全多元归一的信息集中机制、独立的第三方信用评价机制、多元化的农村信用评价机制和信用评价结果社会化运用机制。Improving the rural credit system by centralizing scattered rural credit information,objectifying credit evaluation,diversifying credit services and socializing the application of credit evaluation results can activate dormant credit assets in rural areas,thereby promoting rural revitalization.Currently,there are some problems in the construction of China's rural credit system,such as low information aggregation,weak independence in credit evaluations,insufficient competition in the credit rating market,and a low degree of social application of credit evaluation results.As a result,rural business entities find it difficult to gain trust.To give play to the role of credit in promoting rural revitalization,it is essential to establish a comprehensive information centralization mechanism,an independent third-party credit evaluation mechanism,a diversified rural credit evaluation mechanism,and a social application mechanism for credit evaluation results.

关 键 词：乡村振兴 农村信用体系 运行机理 制度优化 

分 类 号：F272.91[经济管理—企业管理] F275[经济管理—国民经济] C913.68[社会学]