泰安市农村信贷信用体系建设的现状与对策

发布时间：2019-06-09 11:56

【摘要】：农村信贷信用体系建设是做好金融服务“三农”的一项紧迫任务和长期制度安排,是促进统筹城乡发展的有效手段,是建设社会主义新农村的基础工程。深化农村信贷信用体系建设,营造良好的农村信用环境,推动金融机构加大涉农信贷投放,是解决“三农”发展的资金瓶颈、繁荣农村经济、促进农民增收致富的有效手段。笔者从事金融业,十分关注泰安市农村信用体系建设。泰安市农村信贷信用体系建设虽然起步较早,但是在发展过程中存在诸多不规范之处。一是配套立法体系不健全,滞后于泰安市农村经济的发展。农村信用体系建设过程中应遵循立法先行的原则,将健全的信用立法体系作为农村信贷信用体系建设的重要保障。二是信用体系建设作为农村金融建设的最重要内容,只有信用体系健全,整个农村金融体系才会走的更稳妥、更规范、更健康。三是泰安市农村诚信教育体系尚不健全。信用的建立必须以教育为本,防患于未然。本文对于泰安市农村信用体系建设过程中遇到的问题采用归类法和归纳法,对信用体系建设中应该注意的问题进行了系统阐述,最终从诚信教育、信用等级评定、信用奖惩、信用立法等层面为泰安市农村信贷信用体系建设提出了相关对策。提出加强农村诚信道德建设,健全和完善信用评价、奖惩制度,创建科学、健康、可持续的农村信用体系,为泰安市社会主义新农村建设提供强有力的支撑和保障。
[Abstract]:The construction of rural credit system is an urgent task and long-term institutional arrangement of financial service "agriculture, countryside and farmers", an effective means to promote the overall development of urban and rural areas, and the basic project of building a new socialist countryside. Deepening the construction of rural credit system, creating a good rural credit environment and promoting financial institutions to increase the investment of agriculture-related credit are effective means to solve the capital bottleneck of the development of "agriculture, countryside and farmers", prosper the rural economy and promote farmers to increase their income and become rich. The author is engaged in the financial industry and pays close attention to the construction of rural credit system in Tai'an City. Although the construction of rural credit system in Tai'an City started early, there are many irregularities in the process of development. First, the supporting legislative system is not perfect, lagging behind the development of rural economy in Tai'an City. In the process of rural credit system construction, we should follow the principle of legislation first, and regard the sound credit legislation system as an important guarantee for the construction of rural credit system. Second, the construction of credit system as the most important content of rural financial construction, only if the credit system is sound, the whole rural financial system will be more stable, more standardized and healthier. Third, the rural integrity education system in Tai'an City is not yet perfect. The establishment of credit must be based on education and prevent trouble. This paper adopts classification method and induction method to solve the problems encountered in the construction of rural credit system in Tai'an City, and systematically expounds the problems that should be paid attention to in the construction of credit system, and finally from the aspects of credit education, credit rating evaluation, credit reward and punishment, Credit legislation and other aspects for the construction of rural credit system in Tai'an City put forward relevant countermeasures. It is put forward that we should strengthen the construction of rural honesty and credit, perfect and perfect credit evaluation, reward and punishment system, and establish a scientific, healthy and sustainable rural credit system, so as to provide strong support and guarantee for the construction of new socialist countryside in Tai'an City.
【学位授予单位】：山东农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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