云浮农村信用体系建设路径

摘要云浮市在农村信用体系建设工作上坚持“政府引导、市场化运作”的模式，构建了市县和参与部门互联互通的全市联合征信系统，初步建立了石材类企业与农户的非银行信用信息查询系统。但是，当地农村信用体系建设还不完善，阻碍了当地农村信用体系的健康发展。本文通过云浮市征信网并亲身走进云浮,收集了大量的有关资料，在充分了解云浮地区的农村与中小企业的信用体系建设现状的条件下，总结出目前当地农村信用体系建设的基本做法与取得的经验成效。探讨出当地农村信用体系建设中存在的突出问题主要是农村信用体系建设的长效机制尚未形成，导致各方参与积极性不高。本文结合当地实际情况，进而提出完善当地农村信用体系建设的对策与建议：首先，充分调动各方参与的积极性；其次，完善公共联合征信系统的建设，并完成农业产业化龙头企业的信用评价指标体系的设计；最后，完善农村金融组织体系。45838
毕业论文关键词：农村信用体系；公共联合征信系统；信用信息查询系统
Abstract
In the construction of rural credit system, Yunfu sticking to the mode of "government guidance and market operation", to build a credit union system in- volved in the city and the county and departments, established a non-bank credi t information system of the Stone enterprises and farmers initially. However, the local rural credit system is not perfect now,such reality has hindered its healthy development. By the Yunfu credit net,collecting a large of personal information effectively.After the full understanding of the construction of credit system about the rural areas and small and medium- sized enterprises based on the present situation,summed up the basic practices and experiences from the local construction of rural credit system.To explore the main problems existing in the construction of local rural credit system is a long-term mechanism of the system has not yet formed,leading the participation of all parties concerned is inactive.This paper will connect with the realistic situation,and then put forward suggestions to improve the local rural credit system: first, fully mobilize the enthusiasm of all parties involved in; secondly, improve the construction of public joint credit system,and complete the design of the industrialization of agriculture leading enterprises credit evaluation index system; and finally, improve rural financial organization system.
Key words：The rural credit system； Public joint credit system； Credit information system
目    录
摘    要.Ⅰ
Abstract .Ⅱ
一、云浮市农村信用体系建设现状1
(一)云浮市农村信用体系建设的主要做法 1
(二)云浮市农村信用体系建设的主要成效 3
二、云浮市农村信用体系建设实践中存在的问题 6
(一)农村信用体系建设缺乏长效机制，各方参与积极性不高 6
(二)公共联合征信系统有待完善 7
(三)实施信用评价标准建设的行业范围尚窄 7
(四)农村金融组织体系不完善 8
三、完善农村信用体系建设的建议 9
(一)建立长效机制，充分调动各方参与农村信用体系建设的积极性. .9
(二)进一步放开公共联合征信系统平台，实现信享. 10
(三)加快建设农业产业化龙头企业的信用评价指标体系. 11
(四)完善农村金融组织体系，充分发挥各类金融机构服务“三农”的作用. 11
参考文献. 13
致    谢.14
对农村信用体系建设路径的思考—以云浮市为例
近年来，云浮市政府高度重视农村信用体系建设，基本形成了“政府牵头、市场运作、群众参与、协同共治”的建设模式，在一定程度上缓解了当地农民贷款难的问题。但是当地的农村信用体系建设还存在很多问题，主要表现在非银行信用信息共享机制不完善且涉农及中小企业贷款的覆盖面窄等，因此，尽快完善当地的农村信用体系成为当地面临的比较紧急的课题。云浮农村信用体系建设路径:http://www.youerw.com/guanli/lunwen_47435.html