The Study Of Construction Of Personal Credit System In Pinluo County

Credit is the core of finance,and prerequisite for using the financial means to alleviate the "three rural" problems,therefore the establishment of an effective farm credit evaluation system is conducive to expanding farmers’ financing channels to alleviate the farmers "difficult loans" problem.This paper using the literature research method,studied the construction of credit system in the worldwide,and found out useful experience for the construction of rural personal credit test area in Pingluo County.This paper analyzes the status quo of rural personal credit system in Pingluo County by means of the combination of survey method and quantitative qualitative analysis.It finds that the information collection mechanism is not perfect,the credit rating system is not implemented,the credit mechanism is lost,the social security system is not perfect,credit data had narrow range to apply,a weak awareness of personal credit and other issues existed.Combined with foreign advanced experience and the status quo in Pingluo County,this paper presents several concepts to improve it’s rural personal credit system.On the one hand,design a suitable credit evaluation index system for the households in Pingluo County as the basic tool of credit system construction.On the other hand,it puts forward some advice to improve the credit system,such as complete information collection mechanism,establish credit reward and punishment mechanism,improve the guarantee system,establish the credit database,pay attention to farmers’ credit Awareness training and others.