兴仁县社会信用体系建设的模式与成效 The Model and Effect of Social Credit System Construction in Xingren County

社会信用体系是金融基础设施建设的重要组成部分，对实现普惠金融具有重要意义。为推进农村普惠金融发展，提高农村金融服务的覆盖率和可得性，贵州省兴仁县农村商业银行结合当地的实际情况积极开展农村信用体系建设，探索出有特色的农村信用体系建设模式。本文通过总结兴仁县农村商业银行开展信用体系建设的具体实践，分析其在信用体系建设过程中取得的成效，进而对在全国范围内推进社会信用体系建设提出政策建议。 The social credit system is an important part of the financial infrastructure; it is beneficial to realize the inclusive finance. To promote the development of the rural inclusive finance and improve the coverage and availability of rural financial services, Xingren County Rural Commercial Bank in Guizhou Province actively carried out the rural credit system construction and explored a distinctive rural credit system construction model. This paper summarizes the practice of the credit system construction of Xingren County Rural Commercial Bank, and analyzes its achievements in the process of credit system construction, and puts forward some policy suggestions on promoting the construction of social credit system in the range of the whole country.