Research on the Construction of New Rural Credit Evaluation Ind ex System under the Background of Rural Governance Moderniz ation

： Based on sorting out the high intrinsic value coupling between the modernization of rural governance and the development of rural credit system in China, following the development requirements of rural revitalization and the principles of credit evaluation index system construction. This paper develops a new type of rural credit evaluation evaluation system by Delphi method and Analytic hierarchy process, which contains 6 first-level indicators of economic dimension, political dimension, cultural dimension, social dimension, ecological dimension and incentive dimension, and 23 second-level indicators. The results were also analyzed.


Introduction
Due to China's vast territory, unbalanced economic development and uneven level of rural development, coupled with the fact that relevant laws and regulations are not yet sound and management supervision is not yet perfect, problems such as insufficient credit awareness in rural areas, lack of credit information sharing platform, absence of credit evaluation subjects and backward credit evaluation methods have emerged in the process of rural credit system construction in various places, which seriously hinder the development of rural finance and the realization of the effectiveness of rural governance.Therefore, it is urgent to create a new type of rural credit evaluation system that meets the characteristics of rural governance and serves the development of rural finance.

Research status
In recent years, the sociology of finance has become one of the rapidly developing research fields in economic sociology with its rich theoretical perspectives.As a powerful tool for optimizing resource allocation, rural finance has played an increasingly important role in rural governance [1].Financialization has become an essential factor concerning rural governance capacity and the efficiency of rural revitalization [2].From the perspective of rural development, establishing a modern, efficient and smooth financial system is the first proposition for developing an agricultural economy.The improvement of the rural credit system can promote the development of rural microcredit and effectively solve the pressure of rural poverty and provide a corresponding policy guarantee for rural microcredit [3].Credit is the core and critical link of financial reform, and establishing a good credit environment is a fundamental guarantee for economic development and improving financial efficiency [4].It also can effectively play a role in developing inclusive digital finance, which can significantly enhance the level of high-quality development of rural industries.The more backward the region's economic status is, the more sensitive it is to the rural industrial spillover dividend brought by inclusive digital finance [5].From the perspective of rural governance, rural credit system construction and rural governance have a high degree of intrinsic value coupling.The target tasks of both are highly consistent, both to build an excellent rural social order [6], and both emphasize individual credit and equal and orderly participation of multiple subjects in grassroots society.There is a coupling relationship between the construction of a rural credit system and rural revitalization in terms of action and reaction [7]; Yuyao City of Zhejiang Province has first established a rural credit system of "moral bank" by relying on a "moral points," [8].Inspired by this, Yingtan City, Jiangxi, innovatively explored the maximum convention of rural self-governance [9].Successively, the "five-inone" model of rural credit system construction created by County A of Guangxi has realized the practical unification of the economic function of rural credit and the effectiveness of social governance [10].Dangtu County of Anhui Province has incorporated the results of agricultural civilization evaluation into the rural credit rating.[11].

3.Construction of a new rural credit eval uation index system 3.1 The principles for the construction of the ev aluation index system
1. Carefully consider the depth and breadth of the new rural credit system for the modernization of rural governance and digital inclusive financial services.
2. Both vertical and horizontal comparability.The modernization of rural governance and the development of inclusive rural finance is a dynamic development process.
3. Highlight the diversification and multi-level indicators to serve rural governance and the development of inclusive rural finance.

Selection and description of indicators
Under the above principles, this study consulted 10 experts in the field of rural governance and rural finance and related fields through the Delphi method.It combined the characteristics of the new form of rural governance modernization with the availability and reliability of data to determine the new rural credit evaluation index system.As shown in Table 8.

Construct a discriminant matrix
A total of six experts in related fields were invited to score them using the 1-9 scale method, Based on the scoring results of each expert, the judgment matrix of each group of indicators was obtained.If ， then pass the consistency test.

Construction of criterion-level and indicatorlevel judgment matrices
Calculated from YAAHP.10 to obtain

Determination of indicator weights
The final weights of indicators at each level were formed by applying the calculation method of group decisionmaking, as shown in the table below.The but ranking of annual household income, expenditure and savings weight value is only 0.2296, but the comprehensive order reaches 0.083391, and the weights all reach above 0.05, and the single weight value of the number of household vehicles and other highervalue assets is only 0.126.

Farmers' cultural cultivation is a long-term factor affecting credit
From the weight, the cultural dimension is second only to the economic dimension, with a weight value of 0.2165.The weight value of consciously resisting corrupt culture and inheriting good traditional culture is 0.2500, but the total weight value reaches 0.054120, all greater than 0.05.Cultural cultivation lies over a long time and accumulation the whole society's good.

Farmers' political and social-ecological participation is the basis for influencing credit
From the weighting results, the political, social, and ecological dimensions each account for a small proportion, with a weighting value of 0.1186, but the weighting value of the three together reached 0.3358.the ecological dimension of "clean and tidy homes, public environmental protection consciousness from consciously maintaining the village environmental "order single weighting value of 0.6250, more than 0.5, the total weighting reached 0.074125, ranking.

Advanced benchmarking of farmers can lead to the improvement of villagers' credit level
The incentive dimension is lower than the other five primary indicators in weight, only 0.0643, and the total weight of the four secondary indicators is less than 0.03.This indicator has a negligible impact on the credit level of farmers.Still, it is an excellent incentive for farmers to participate in public welfare activities and support the development of the countryside.

The growing importance of non-economic factors in rural credit evaluation
The credit assessment results of the new rural credit evaluation system in the context of rural governance are not only applicable to loans but are integrated into all aspects of rural governance and can be applied to all aspects of society, such as medicine and education, while promoting the effectiveness of rural governance.

Conclusion
The new rural credit evaluation index system in the context of rural governance modernization covers a wider and wider range, and the proportion of noneconomic indicators is increasing, indicating that the effectiveness of rural governance has been greatly improved and grassroots autonomy has achieved certain results.

Table 1 C
Criterion level judgment matrix

Table 8
New rural credit evaluation index system