Practice and Reflection on Digital Enpowerment of Rural Credit System Construction and Promoting Rural Revitalization in Qinghai Province
The 2023 Central Financial Work Conference emphasized the need to do a good job in five major articles,including inclusive finance,and clarified the direction for the future development of inclusive finance.Qinghai Province,as an economically backward province with ethnic minorities gathering and a lack of collateral for farmers and herdsmen,has a strong demand for inclusive finance.In recent years,Qinghai Province has actively integrated big data,financial technology,and rural credit system construction,strengthened the sharing and application of rural credit information,and provided important support for promoting the high-quality development of inclusive finance and promoting rural revitalization strategy.However,there are also some problems that need to be solved urgently.Based on the practice in Qinghai Province and the systematic review of national development trends,such as the acceleration of institutional arrangements,the favourable digital construction,the cross-system development trend,the accelerated activation of the value of credit subjects and the expansion of application scenarios.This article deeply analyzes the information security risks,lack of credit evaluation standards,and mismatch between information supply and demand in the current digital enpowerment of rural credit system construction and rural revitalization.Targeted suggestions are proposed to strengthen information security,unify credit standards,optimize collection and evaluation,and enrich application scenarios.
digital technologyrural credit systemrural revitalization
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