西部农村信用体系与防返贫机制协同路径研究

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中图分类号：F323 文献标志码：A 文章编号：2096-9902（2025）19-0110-05

Abstract：Againstthebackdropofin-depthadvancementoftheRuralRevitalizationStrategy，ruralareasinwestemChina arefacedwithchalengessuchasweakcreditsystems，fragileindustrialfoundations，andinsuficientpolicycoodinationin consolidatingtheresultsofpovertyaleviationandpreventinglarge-scalereturntopoverty.Basedontheeconomicandsocial structureofruralareasinwesternChina，thispapersystematicallyanalyzesthecolaborativelogicandpathbetweenitscredit systemandanti-returnmechanism.Researchshowsthatthecredit systemcanimprovetheaccuracyofanti-returnmonitoringby integratingmulti-dmensionaldataandrelyonindustrialchainfinancialiovationtosolveindustrialfinacingbotlenecks.The dynamicmonitoringneedsoftheanti-returnmechanismforcecreditevaluationtobediversfiedanditeratedinscenarios.The studyproposeswaystobuildafull-dimensionaldatagovernancesystem，innovatefinancialcreditservices，deepentheclosedloop of "credit warning - targeted assistance"，cultivate a "credit + specialty industry" ecosystem， and strengthen cross - departmentalpolicycordination.Theconclusionsshowthatthe"dataconnectivityfinancialinnovation-policycoordination"model canforma virtuous cycleandprovideapath reference for sustainable development of rural areas in western China.

Keywords：ruralareasinwestemChina;anti-povertymechanism；creditsystem；datasharing;industrialfinance;policy coordination

党的二十大明确提出“巩固拓展脱贫攻坚成果，增强脱贫地区和脱贫群众内生发展动力”，西部农村地区作为脱贫攻坚的“主战场”和共同富裕的“薄弱带”，正面临着巩固脱贫成果与防范规模性返贫的双重挑战。（剩余8176字）