Research On The Construction Of Rural Financial Credit System From The Perspective Of Rural Revitalization

Credit is a social relationship formed when the economy and society develop to a certain stage,and it is mainly reflected in the debtor 's performance of the contract in the loan relationship.In social activities,credit can achieve information symmetry among the various subjects of society,thereby playing the role of incentives,constraints and risk reminders.Establishing a sound credit system will effectively promote the development of the social economy,especially the financial industry.At present,China is in a critical period of deepening economic system reform.Establishing and improving a social financial credit system will play a vital role in expanding social financing channels,reducing enterprise development costs,and increasing farmers' real income.At the same time,the 19 th National Congress of the Party proposed the implementation of the strategy of rural revitalization.Judging from the current situation of China's social finance construction,the rural financial credit system is relatively behind the city.Due to different regions and development environments,there is no unified model to establish a local financial credit system nationwide.Therefore,the government should strengthen the construction of the rural financial credit system,establish special funds,establish an information platform,implement supervision and control,establish a scientific and unified credit system and credit information collection standards,increase policy support,and coordinate various departments to jointly build a credit system.In the actual survey,it is found that there are still many difficulties in the construction of financial credit system in rural areas,such as incomplete credit information collection standards and different levels of cooperation among various departments.This article attempts to start from the analysis anddevelopment of "credit model village".Constraint to improve the rural financial environment,improve people's financial credit awareness,and further promote the healthy development of the rural financial services market by establishing a "reliable incentive and punishment" mechanism and expanding the scope of credit rating applications,thereby realizing the rural revitalization strategy.