文献类型：期刊文献

中文题名：农村非正规信用活动中征信过程及应用价值分析

英文题名：An Analysis on the Credit Reference Process in Irregular Rural Credit Activities and the Application Value

作者：王桂堂[1]

第一作者：王桂堂

机构：[1]河南财经政法大学

第一机构：河南财经政法大学

年份：2010

卷号：28

期号：5

起止页码：11-13

中文期刊名：征信

外文期刊名：Credit Reference

收录：北大核心:【北大核心2008】；

语种：中文

中文关键词：农村金融;非正规信用;征信

外文关键词：rural finance; irregular credit; credit reference

摘要：城乡在二元经济格局下,已在城市普遍推开的征信制度并不完全适应于我国广大农村特别是传统农区。同时,新型农村金融体系的重构又不能因为征信制度建设滞后这一瓶颈而裹足不前。事实上,在农村信用中所存在的"隐性征信",由于其极大地降低了征信成本,成为我们今后建立"显性征信"的前提条件与过渡形式。当然,"隐性征信"的局限性同时决定了其作为征信模式存续的暂时性。
Under the dual economic structure, the credit reference system which is popular in the city does not com- pletely adapt to the vast rural areas in China, especially in the traditional farming areas. Meanwhile, the new recon- struction of the rural financial system could not be delayed because of the bottlenecks in credit reference. In fact, the existence of ＂hidden credit reference＂ in rural credit, because of the significantly lower credit costs, will be- come a prerequisite and transition form of ＂dominant credit reference＂ to be established in future. Of course, the limitations for the ＂hidden credit reference＂ also determine its temporary existence of being a credit reference mode.