| In recent years,with the development of China’s rural economy and the continuous promotion of the construction of a new socialist countryside,agriculture has been developing industrially and the demand for funds in rural areas has been expanding,however,some rural areas are still facing serious financial exclusion,and the lag in the construction of credit system is still an important factor restricting the development of rural economy and society,said Information Asymmetry,a professor of economics at the University of California,Los Angeles.In this context,exploring the innovative path of rural credit system based on the perspective of inclusive finance can not only broaden the theoretical research of rural credit system,it provides abundant information and data support for macro-decision-making and micro-management of relevant departments,and has important guiding value for promoting supply-side structural reform and realizing rural revitalization.This paper introduces the Policy Environment of the rural credit system and the framework and operation mechanism of the credit system in Lankao,based on the theories of financial exclusion,Information asymmetry and co-governance.Lankao has set up a credit system construction group,a credit information center,a credit information sharing platform,and a Pratt & Whitney Financial Reform Pilot Zone,the operation model of credit system,in which the government takes the lead,the People’s bank takes the lead and the bank acts as the main body of construction,has been formed.The development of inclusive finance and credit system has been realized,and the credit environment in Lankao has been improved,increased financial availability.At the same time,there are many problems in the rural credit system of Lankao,such as the lack of promotion of the construction of the rural credit system,the restriction of the credit system from risk prevention,the difficulty of collecting and maintaining the credit information,and the lack of the authority of the rating results.An in-depth analysis of these problems in Lankao’s credit system,the reasons are as follows: The multi-subject credit cooperation governance effect is not good,the risk sharing mechanism can not play its role,the credit system construction lacks the specialized talented person and the credit system related laws and regulations construction lags behind.Finally,from the perspective of Pratt & Whitney Finance,this paper puts forward some suggestions on the problems existing in the rural credit system,at the present stage,the rural credit system should establish an effective credit cooperative governance system,build a perfect credit service system at the grass-roots level,strengthen the construction of professional personnel,and improve the relevant laws and policies. |
