摘要
普惠金融上升为我国国家战略,良好的信用体系是推进普惠金融发展的制度基础。分析贫困地区信用建设在推进普惠金融中的现实作用和主要障碍,借鉴国内相关地区的先进做法,提出统筹推进信用体系机制建设、加快信用信息系统升级改造、加强信贷拓展中信用信息应用、强化普惠金融对象群体信用培育等完善信用建设的举措,对促进信用建设与普惠金融协调发展和良性互动进行有益的思考和探索。
To accelerate the construction of social credit and the development of inclusive finance is an inevitable topic for China’s social and economic transformation to improve the quality of development, and the construction of social credit is of great significance for the development of inclusive finance. Starting from the current situation of social credit construction and inclusive finance development in Hechi City, Guangxi, and this paper analyzes the practical role and main obstacles of credit construction in promoting Inclusive Finance, and discusses how to guide and strengthen the coordinated development and benign interaction of them in the new era. Policy suggestions are put forward in four aspects: making overall plans to advance the construction of credit system and mechanism, accelerating the upgrading and application of inclusive financial credit information system, strengthening the application of credit information in the expansion of inclusive financial credit, and strengthening the cultivation of inclusive financial target group credit.
作者
邓国文
韦愈
Deng Guowen;Wei Yu(Hechi City Central Sub-branch of the People’s Bank of China,Hechi 547000,Guangxi,China)
出处
《征信》
北大核心
2020年第5期52-58,共7页
Credit Reference
基金
教育部人文社会科学项目(18YJC820006)。
关键词
信用建设
普惠金融
农村信用体系
小微企业信用体系
credit construction
inclusive finance
rural credit system
small and micro enterprise credit system
