RESEARCH ON THE WHOLE VILLAGE CREDIT SERVICE MODEL IN CHINA——TAKING BEIJING,HEILONGJIANG,ZHEJIANG AND GUANGDONG PROVINCES AND MUNICIPALITIES AS EXAMPLES
Whole-village credit is a model innovation in China's financial service supply,which is of great significance to improving the quality of financial services,perfecting the rural credit system,and promoting the high-quality development of rural revitalization.This article comprehensively summarized the typical facts of whole-village credit-granting work in Beijing,Zhejiang province,Guangdong province and Heilongjiang province,and comprehended the process of whole-village credit-granting mode and the control practice.The results were found as follows.Village credit-granting work faced the problems,such as insufficient top-level design,information silos,the credit risk-sharing mechanism was not yet perfect,and farmers'credit awareness was not strong.So,the whole village credit work should be guaranteed by the number of physical outlets and grassroots service personnel,built a government-bank cooperation model with the local grassroots government,explore the characteristic rural credit system in combination with the local people's conditions,and provide supporting products for the leading and characteristic industries in the villages.In addition,it is necessary to collaborate with the grassroots governance of the village before granting credit,pay attention to transforming credit into tangible assets during the credit process,and do a good job of risk management and control in the whole process in village credit.Therefore,it is recommended that it should clearly define the authorities in charge of village credit-granting work and the supporting and coordinating departments,built a comprehensive information database for the"three rural areas"in coordination with a number of parties,establish a risk-sharing mechanism by the financial sector work,government departments and insurance organizations,and take diversified measures to enhance the credit awareness of rural credit subjects.
whole-village creditcredit system constructioncredit villagefinancial services
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