农村金融发展与制度刨新：寿光“三驾马车”模式

摘要

山东省寿光市通过打造农村社会信用体系、信贷服务体系和支付体系“三驾马车”，促进了农村金融制度创新，推动了农村金融发展，实现了城乡一体普惠便民的农村金融服务，为破解我国农村经济发展中的金融瓶颈提供了较好的借鉴。这个模式具有较强的制度特征和内在逻辑性，社会信用是信贷创新的基础，信贷交易需要支付工具来实现，三者是互为动力的有机整体。%By constructing its rural social credit system, rural credit service system and rural payment system, which is also called the financial troika, Shouguang has greatly promoted its rural financial recreations, facilitated its rural financial development and realized citywide rural financial service. With the analysis of its practice, we can draw on its experience to solve rural financial problems during rural economic development nationwide. The troika has an obvious systematic feature and inherent logic-social credit system is the foundation of credit recreations, credit business needs payment tools to realized, the three of them is an organic whole.