The Credit Village Construction Scheme And Implementation Of A Rural Commercial Bank

The construction of credit village plays an important role in solving problems such as the difficult loans for farmers and small and medium-sized enterprises in rural areas,the difficult recovery of loans for financial institutions and the lower quality of credit assets.For farmers and rural SMES,the construction of credit village can reduce the degree of information opacity as well as the mortgage collateral requirements,so as to increase the possibility of obtaining loans;For rural commercial banks,the construction of credit village can reduce the degree of information opacity,transaction costs and loan risk,and expand commercial bank credit business.With the deepening of the Reform of Rural Finance in China,the rural commercial bank will implement the construction of rural credit village as soon as possible to design a complete set of construction plan of the credit village.Firstly,the Evaluation of Credit and Credit Theories were defined in this paper.The main factors affecting the evaluation on the credit and credit village were analyzed.It was thought that the factors that influenced the evaluation on the credit village were mainly divided into economic and financial development level,legal and cultural development level,the government credit level,farmers' credit level and enterprises' credit level.Through the on-the-spot investigation on the rural commercial bank,it was concluded that the main business qualification of rural economy was weak.The rural commercial bank loan management system was not perfect.There was the lack of government support and external environment.All these problems aggravated the information asymmetry between banks and borrowers,and increased the borrowing difficulty for rural business subject and the lending risk for rural commercial banks.The village credit needed to be constructed to mitigate these related issues.Then,according to the demand of the construction of credit village,the specific plan of building a credit village was made in the paper.First,put forward the general requirements on the construction of credit village,and clear the three-step planning of credit village construction as well as the credit village selection group,the leading group and the regulatory group.Also,the specific implementation process of evaluation on the credit village was determined.Second,the content and standard of the evaluation on credit village were clear out.From the micro-view,farmers,small and medium-sized enterprises and rural grassroots governments were separately evaluated.From a macro-view,the economic,financial,cultural and legal systems were evaluated respectively.And a set of comprehensive evaluation system suitable for the credit village was built.Third,the incentive mechanism and obligations of the construction of credit village were put forward.Finally,for the constructed credit village construction program,BC Village was taken as a sample for credit evaluation,to analyze the factors affecting the BC village credit and the existence of credit problems.On the basis of research conclusions,it was proposed that the rural commercial bank should improve regularly farmers archives information,increase the connection with small and medium enterprises;The grass-roots government should attach greater importance to the construction of village credit as well as the absence of rural development subject resulting from a large number of migrant farmers.Encourage migrant workers to return home to do pioneering work,and vigorously develop the rural economy.The bank and grass-roots government should enhance the education on the financial literacy and credit knowledge as well as insurance coverage;Further introducing local regulations and regulations Promote the multi-channel construction of rural credit comprehensively.