Research On The Construction Of Rural Credit System In Anhui Province

At the end of the 1990 s,under the impetus of the people's Bank,the pilot and promotion work of the construction of the rural credit system has been carried out all over the country,and a lot of experience has been accumulated and many problems and constraints have emerged.The construction of the rural credit system is an important content of perfecting the social credit system and perfecting the socialist market economic system,and is a special project for the construction of the social credit system.The issue of agriculture,rural areas and farmers is a fundamental issue related to the national economy and the people's livelihood.According to the nineteen General requirements,we should implement the strategy of Rural Revitalization and promote the modernization of agriculture and rural areas.At present,the construction of rural credit system has become an important support for the sustainable development of Inclusive Finance and the long-term development of rural economy.Through the construction of rural credit system,it is beneficial not only to improve the overall credit level in rural areas,but also to solve the problem of information asymmetry between the agricultural financial institutions and the rural economic subjects,improve the financing environment in rural areas,enhance the information of the financial institutions to serve the rural areas,and improve the level of rural financial services.In 2018,the construction of rural credit system in Anhui province was included in the "shared development action plan" of the five major development action plans of Anhui province.The Hefei Central Branch of the people's Bank of China,issued by the central branch of the Central Bank of the people's Bank of China,issued the project of the construction of the credit system for small and medium enterprises and rural areas of Anhui Province in 2018,clearly demands that all counties,cities and districts of the Province rely on "Anhui province's rural credit information sharing service platform",self built credit information sharing service platform or government related departments to complete the whole agriculture.Village economic subjects(farmers,family farms,rural cooperatives,agriculture related enterprises,etc.)collection and entry work to achieve the "full coverage" of the province's rural credit system at the end of 2018.On the basis of combing and summarizing the development process and construction mode of the construction of rural credit system in China,this paper systematically expounds the innovation practice and achievements of the construction of rural credit system in Anhui Province,and points out that the construction work of rural credit system in Anhui province is difficult to collect and collate the credit information of the farmers,and the renewal of credit information is not timely,The results of credit rating of farmers are not accurate enough;social participation is low,lack of integrity education system and credit concept training mechanism;product innovation of financial institutions can not effectively meet the problem of demand.In particular,it is necessary to point out that,in order to test the relationship between the credit system construction and the economic growth,relying on the construction of the people's Bank credit collection center,it selects the core data of the basic database collection and application of the financial credit information and the index of the total value accounting of the domestic production under the two sector economy,and uses econometrics.The method is used to make an empirical study on the two ends of the index.The results show that the construction of credit system represented by the basic database of financial credit has a significant positive effect on macroeconomic development.Finally,according to the influencing factors and development bottlenecks in the construction process of the rural credit system in Anhui Province,the policy suggestions are put forward to further promote the construction of rural credit system in the province: the first is to establish the mode of local government leading,the promotion of the people's Bank,the participation of relevant departments and the establishment of specific departments.Two,we should speed up the legislation of credit and standardize the credit order of rural finance.The three is to improve the rural credit information service platform in line with local conditions.Five is to implement credit evaluation and credit cultivation,and further promote the application of credit products.