After the 19th National Congress of the Communist Party of China proposed the strategy of rural revitalization，Promote coordinated development of urban and rural areas，Open the institutional channel of equal exchange and two -way flow in urban and rural elements，Become an important direction for my country's economic development，Urban and rural relations gradually turn to urban and rural interaction。Comprehensively promote rural revitalization，Is a complex system engineering，Have externality、Long -cycle and quasi -public product attributes such as。Vigorously strengthen the construction of urban and rural circulation facilities、Resource Elements Insurance、At the same time of the external support system of free flow of elements，It also needs to eliminate urban and rural institutional disorders，Guarantee urban elements smoothly to sink the countryside，Cultivate and stimulates endogenous motivation for rural development，Help rural revitalization。But，Urban Development Resources helps rural revitalization，The unavoidable development bottleneck is the credit governance of the countryside。2014，The State Council released the "Outline of the Social Credit System Construction Plan (2014-2020)"，Efforts to accelerate the construction of a social credit system，Raise the integrity and credit level of the whole society。Drives under the dual drive of practical needs and theoretical vacancies，Credit governance has aroused widespread attention in the academic community，Many research results are quite many。But，The research center of the existing results is mainly concentrated in the legal specifications of the collection and use of public credit information、Coordination and protection bet365 best casino games of personal information and privacy、Legal and legal rules for disciplinary punishment、The restriction effect of the reputation mechanism、In the future of related legislative directions and other issues，Lack of research on rural credit governance，This is extremely asymmetry with the background of my country's rural revitalization strategy。So，Start with the strategy of rural revitalization，Focus on rural credit governance issues，Clarifying governance ideas，It undoubtedly has important theoretical and practical significance。

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Credit governance refers to relying on the social credit system，Credit information as a medium，Use information to screen、Credit evaluation、Credit reward and punishment and other methods to implement full management of social behavior of social subjects，To improve the integrity and credit level of the whole society。Under the background of rural revitalization strategy，The necessity of rural credit governance is mainly reflected in the following aspects。

First，Rural credit governance is an important part of the "closed loop" of my country's social credit governance system。my country's social credit system is an important part of the socialist market economy system and social governance system，Including government integrity、Business integrity、Social integrity and judicial credibility four parts，The rural social credit system naturally belongs to the meaning of the question。The social credit system as the prerequisite and foundation of credit governance，Fundamentally determines the important position of rural credit governance in my country's credit governance system。The social credit governance system constructed from the perspective of the city is incomplete credit governance system，It is a governance idea based on the old urban and rural relations。This credit governance system not only cannot break the barriers of urban and rural dual system，Promoting urban elements organically bet365 best casino games imported rural society，Realizing "with the city with the country" and "the city to nurture the countryside"，Instead, it will further exacerbate the city and rural system gap，Development space for compressed rural revitalization strategy。

2，Rural credit governance to promote rural revitalization endogenous development。Endogenous development originated from the reflection of external -derived development model，Emphasize breaking geographical restrictions，Use exogenous resources，The endogenous power of the cultivation area to achieve development。The foundation of the rural revitalization strategy is industrial revitalization，The fundamental goal is to increase the income of rural residents，Realize common prosperity，The biggest shortcoming of rural rejuvenation is the general lack of recyclable funding elements in rural areas in my country。In recent years，Under the leadership of the government and enterprises，The production factors of a large number of cities flow to the countryside，greatly promoted the development of rural areas，But can these exogenous resources be successfully cultivated in rural endogenous development force，The key lies in whether the rural industry and the agricultural economy have been developed。Overall，Carry out rural credit governance，Improve the rural credit environment，It can effectively alleviate the information asymmetry of information in the process of providing rural financial services，Reduce the cost of rural transactions，Improve the efficiency of rural resource allocation，Improve the financial efficiency of the countryside，Ensuring the profit space of rural financial institutions，Finally realized the rural financial market and rural industry、The mutual promotion and development of the agricultural economy and a virtuous cycle。

third，Rural credit governance improvement improvement of the government's rural governance efficiency。Relying on a unified credit bet365 Play online games system，Implement a credit evaluation mechanism in rural areas，Establish a sound joint reward and punishment system，Smart decisions of the algorithm at the same time，The government can build an efficient rural governance system。On the one hand，Rural credit governance with credit information、Credit information evaluation and joint rewards and punishments replace the original legal regulations and legal punishment，prompting the government to transform from rural managers to rural comprehensive service providers，Realize self -supervision of members of rural society，Reduce government governance costs。On the other hand，It is expected to use rural credit governance to break through the limitations of rural modularization.，Integrate the governance functions of various departments，penetrate the national governance power and sink to a wider area of ​​the countryside。Collection of credit information、Information Red and Blacklists The formulation and joint reward and punishment mechanism requires joint operations in rural functional departments，Create a unified data screening、Collection and sharing system，Integrated allocation of law enforcement resources between departments，Enhance the governance of the countryside。Village has always belonged to a weak area of ​​legal regulations，A large number of areas rely on informal specifications to play a role。Construction of a rural credit system，Carry out rural credit governance，The government can use big data information technology to，Algorithm transformation of the rural diversified and informal specifications，increased the depth of the country's governance of the country。

　　Build a rural credit governance strategy for rural revitalization

Although rural credit governance has played a promotion of rural revitalization strategy，But my country's rural credit governance still faces many dilemma。One，Rural credit culture is weak，Poor credit environment。Credit culture is with credit activities、Cultural bet365 Play online games phenomenon of symbiosis and coexistence of credit governance，It is a value concept of reaching a consensus on the basis of common cognition through social groups。Good credit culture will form a social evaluation trend，Psychological psychology that affects social groups，Make the subject consciously viewing this value concept and self -screen，Finally externalization into a behavioral rules that convergence of social groups。But，Traditional credit culture is impacted by the market economy，Poor the rule of law environment is poor、Not sound credit regulations、Breakthrough punishment and dishonesty profitability, etc.，The current rural credit culture is relatively weak，Poor credit environment。Its two，The monopoly of credit basic services and the closedness of algorithm。Entering the credit basic service business in my country must go through administrative license，Therefore, let relevant companies gain market competitive advantages and finally form a market monopoly position，So that the credit evaluation mechanism in rural governance is easy to interrupt。At the same time，Intelligentization of big data technology has given the algorithm an equivalent autonomy，Users know nothing about the rules and contents of the algorithm。This can not help but question the fairness of the algorithm black box，Whether rural credit governance will infringe the rights and freedom of rural residents and freedom。Its three，Vague configuration of rural governance rights。Building a credit information system is a prerequisite for the development of rural credit governance，The collection of credit information usually requires local governments to cooperate with various commercial platforms and integrate resource integration。Commercial organizations usually have technical advantages and management advantages，The government also needs to use business platforms to implement rural credit governance。Another，Credit bet365 live casino games data barriers have been unconsciously formed in autonomous explorations，Added the difficulty of future rural credit governance。

The above problems existing in rural credit governance，Remind us to adjust our thinking in time，Copy new challenges in the new situation。Based on this，You can use the following countermeasures and paths。

First，Taking credit culture as the starting point，Improve the rural credit environment。Credit culture will form a soft constraint on social groups in credit activities，It is an indispensable soft environment for credit governance。Credit culture must guide construction with systemic thinking，Specific implementation can be dominated by government forces，Moral Education and Legal Educational Education，Establish and improve the credit regulations system，reward and punishment combination。Credit culture construction is an important opportunity for reconciling the spirit of traditional credit culture and market economy contract，It is an important coupling point for building a rural credit governance structure that combines his law and self -discipline，Take this as the starting point，Fang can create a good credit environment。

Next，Carry out rural credit governance in accordance with market laws。Factors such as technology and supervision，The rural credit evaluation market is monopolized and unavoidable，The government should let go of the idea of ​​passive accountability in the past，Actively set up rules to improve the market effect of credit services，Ensure that the data between data platforms is open and flow，Stimulating commercial organizations to start benign competition around credit services。In addition to the guidance role of the government，It is also necessary to strengthen the role of its public supervisor，Actively use the advantages of various commercial platforms to serve rural credit governance。

Last，Break the inherent thinking of public -private binary，Legal regulation from the perspective of Bet365 lotto review systematic theory。Under the background of the rapid development of big data，The boundaries between the private rights of commercial institutions under the empowerment of government power and algorithm technology have gradually blurred。The change of the regulatory object requires us to break the conventional thinking，Formation of law from the perspective of systematic theory，Public interest in balanced rural credit governance、Commercial interests and rural residents' rights and interests。

　(Author Unit: Law School of Jiangxi University of Finance and Economics)