Research On The Construction Of Rural Household Credit System In China

Credit is a historical proposition,for a long time,the study of credit is more extensive.In recent years,engaged in research for personal credit,enterprise credit personnel of theoretical research relatively more,but as for the farmers as the main body of information reporting system,the personal credit system in stripping out studying separately is relatively small.All along,the "three rural" problem is an important factor in China's economic development,especially the development of rural economy.At present,China's rural areas,a considerable number of farmers or rural enterprises,credit demand is difficult to achieve effective satisfaction,which is an important manifestation of the "three rural issues".The reason is largely because China has not yet established a relatively complete system of credit for farmers,it is difficult to achieve the rapid development of rural finance.In order to further improve the rural financial environment,alleviate agricultural enterprises households funds,promote rural economic development,accelerate the pace of new rural construction,constructed a set to conform to the characteristics of the Chinese farmers credit system is particularly important.Firstly,the background and significance of research on the construction of credit system of farmers was briefly summarized systematically and the construction of farmer credit system at home and abroad on the related literature,on the basis of the related concepts of credit and theory foundation are discussed.Secondly,from the following three aspects,the guiding ideology,the construction model and the influencing factors,this paper analyzes the current situation of the construction of rural household credit system in china.Then,taking HZ city peasant household credit information database construction as the breakthrough point,this paper uses case study method and investigation method to analyze and construct the whole farmer credit system of HZ city.The paper summarizes the problems existing in the construction of farmer credit system in HZ City,such as incomplete construction of credit information database,immature operation mechanism,urgent need to strengthen social credit,imperfect credit risk sharing and compensation mechanism.Finally,aiming at the problem of combining with the actual situation of HZ City,from the perfect database construction system framework and operation mechanism,and gradually optimize the credit environment,to create a reasonable rural risk dispersion and compensation mechanism,and steadily push forward the four aspects of rural credit system construction and put forward feasible suggestions.In this thesis,the author makes a detailed and profound analysis of the problems existing in the process of building the rural credit system in the underdeveloped areas of HZ,and puts forward some feasible suggestions.It is a good reference for the development of the rural credit system and the effective use of financial poverty alleviation in the underdeveloped areas.