广西河池 “无形信用”变“有用资产”

Core Viewpoint - The establishment of a comprehensive rural credit system in Hechi City aims to address issues of information asymmetry, high risks, and costs in traditional rural financial services, leveraging financial technology to support rural revitalization efforts. Group 1: System Overview - The "Five-in-One" rural credit information system utilizes a "1+3+N" technical framework, consisting of a rural subject credit information database, three application platforms (web, mobile app, WeChat mini-program), and an ecosystem based on credit ratings [1] - Since its promotion in 2022, the system has launched versions 1.0 and 2.0, enhancing data security and integrating advanced models to improve system performance and safety [1] Group 2: Data Collection and Credit Rating - The system implements a "double insurance" quality control mechanism for information collection, requiring farmers and village leaders to sign credit commitment letters, with regular checks by local authorities [2] - A six-level credit rating system ("B-1A-5A") has been established, with over 90.64 million farmer records and a participation rate exceeding 98% for credit evaluations [2] Group 3: Financial Impact and Benefits - The system has facilitated the issuance of various credit products, totaling 45.34 billion yuan in loans to 986 villages and 266,300 farmers, significantly increasing credit supply [3] - Credit users benefit from discounts at local attractions and subsidies for public transport, while the system supports differentiated industry reward policies based on credit ratings [3]