Research On Rural Credit Evaluation And Collaborative Governance In Tianjin Under The Perspective Of Rural Governance

The construction of rural credit system is an important link in the construction of social credit system,which plays a significant role in the process of modernizing rural governance for optimizing resource allocation and promoting economic development of rural society as well as maintaining rural order.However,the weak credit awareness and difficulties in credit information collection in rural areas have led to the imperfection of a scientific and unified credit evaluation system and a long-term and reasonable credit governance mechanism,which has seriously hindered the process of building a credit system in rural Tianjin.Constructing a set of rural credit evaluation system and a collaborative rural credit governance system in line with the internal logic of rural governance modernization is of great theoretical and practical significance to improve the results of rural credit construction and enhance the effectiveness of rural credit governance in Tianjin.This study firstly starts from the difficulties and problems of rural credit system construction in Tianjin,and on the basis of sorting out the high intrinsic value coupling between the modernization of rural governance and the development of rural credit system in China,follows the development requirements of rural revitalization and the principles of credit evaluation system index system construction,and constructs a system containing economic dimension,political dimension,cultural dimension,social dimension,ecological dimension and incentive dimension through Delphi method and hierarchical analysis.The new rural credit evaluation system,which includes 6 primary indicators and 23 secondary indicators,was constructed by Delphi method and hierarchical analysis.Secondly,an evolutionary game model is constructed by using the evolutionary game analysis method to analyze the strategy choices of the three parties in the rural credit governance,which is led by the grassroots government organization,financial institutions and farmers’ participation.Finally,we propose policy recommendations for the construction and optimization of rural credit system in Tianjin from two aspects: rural credit evaluation system and rural credit cooperative governance.From the aspect of rural credit evaluation,we mainly include: strengthening the construction of rural credit team,realizing the specialization of credit information collection and evaluation team;building a credit information management platform,promoting the linkage of information and credit;establishing a sound credit reward and punishment system,and cultivating a good credit culture in rural society.The main aspects of collaborative rural credit governance include: insisting on the leading position of the grassroots government and establishing an efficient rural credit governance mechanism;strengthening the vertical and horizontal linkage of governance subjects and improving the credit governance capacity of multiple subjects;establishing a governance effectiveness assessment mechanism and promoting the normalization of collaborative governance effectiveness assessment.