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“双基联动”将信用体系建设作为重要内容,基层党组织和银行业机构对试点村(社区)和农牧户逐一进行评级评信,并将贷款户诚实守信行为与该村(社区)的信用等级绑定。自去年试点工作开展至今,“双基联动”合作贷款未形成一笔不良贷款。青海少数民族人口占比高,藏区面积大,贫困人口多,扶贫攻坚任务十分艰巨。对此,青海银监局按照银监会关于发展普惠金融的工作部署,积极创新普惠金融服务模式。2015年4月3日,青海银监局印发了《青海银行业“双基联动”合作贷款试点方案》,选取了农村牧区网点最多、深入基层程度较高
As the important content of the credit system construction, grassroots party organizations and banking institutions graded and evaluated the pilot villages (communities) and farmers and herdsmen one by one, and compared the honesty and trustworthiness of the loan households with that of the village (the community ) Credit rating binding. Since the pilot work was carried out last year, there has been no formation of a non-performing loan for the “double base linkage” cooperative loan. As a result, the minority population in Qinghai occupies a large part of the population, with a large area of Tibetan areas and a large population of poor people. The task of tackling this problem is arduous. In response, Qinghai Banking Bureau in accordance with China Banking Regulatory Commission on the development of all-inclusive financial work arrangements, and actively innovate inclusive financial service model. On April 3, 2015, Qinghai Banking Regulatory Bureau issued the “Bank of Qinghai ” double base linkage “cooperative loan pilot program”, selected the most rural outlets in pastoral areas, a higher level of grass-roots level