This book delivers a targeted, solution-oriented exploration of rural credit development, integrating institutional economics and finance theories with cutting-edge digital technologies to address real-world challenges in China’s rural financial landscape. Its novel approach lies in the four-dimensional "theory-technology-practice-policy" framework and technology-empowered full-chain credit management solutions, which break new ground in reconciling the urban-rural dual structure constraints. Covering credit information governance, intelligent risk assessment models, digital financial scenario integration, risk mitigation mechanisms, typical case analyses, and policy evolution, the content spans theoretical foundations to practical applications. Intended for researchers in agricultural economics and fintech, rural financial policymakers, and industry practitioners, it strikes a balance between academic rigor and operational relevance. Key features include actionable intelligent risk assessment tools and multi-stakeholder collaborative risk-sharing mechanisms, equipping readers with evidence-based insights to advance inclusive and sustainable rural credit systems.

Baofeng Shi is a Professor and Doctoral Supervisor at the College of Economics and Management, Northwest A&F University, with core research interests in agricultural-related financial risks and the evaluation of "Three Rural Issues" (agriculture, rural areas, and farmers) policies. He currently serves as Dean of the College of Economics and Management, Northwest A&F University, Vice President of the Chinese Association of Foreign Agricultural Economics, and Standing Member of the Youth Committee of the Chinese Agricultural Economics Association, as well as an Editorial Board Member of the SSCI journal Emerging Markets Finance and Trade and Associate Editor of Journal of Economic Statistics. As the Chief Expert of the major National Social Science Foundation of China and the National Key Research and Development Program of China, he has presided over more than 30 national-level projects including National Natural Science Foundations of China, and was selected into the Young Talents Program of the Ministry of Education's Major Talent Project of China. He has published over 90 papers in top domestic and international academic journals such as Nature Food, Omega, and Energy Economics; 1 paper was featured in Nature's Research Highlight, 6 papers were selected as ESI Top 1% Highly Cited Papers, and his research achievements have been reported and reprinted by Xinhua News Agency and People's Daily. His academic achievements have won many awards including the Second Prize of National Teaching Achievements of China, the First Prize of Excellent Humanities and Social Sciences Achievements in Shaanxi Universities, etc.

Nana Chai is an Associate Professor at the College of Economics and Management, Northwest A&F University, where she also completed her academic training.Her research focuses on credit risk management and financial technology, with a strong track record of leading 4 projects including those funded by the National Natural Science Foundation of China.She published 13 papers in prestigious journals like International Journal of Forecasting and China Rural Economy. Her academic achievements include 1 ESI Top 1% Hot Paper in Economics & Business and 9 awards, such as the Excellent Achievement Award for Rural Revitalization Soft Science of China.

Lian Yang holds a PhD in Management and currently serves as an Associate Professor at the College of Economics and Management, Shandong Agricultural University. Her main research interests focus on agricultural-related credit risk management, financial technology, and inclusive finance. She presides over 1 National Natural Science Foundation of China and has participated in 4 key projects, including National Natural Science Foundation of China and rural revitalization soft science projects of the Central Agricultural Office and the Ministry of Agriculture and Rural Affairs of People’s Republic of China. She has published 5 academic papers in prestigious journals, such as Journal of Quantitative & Technical Economics, Chinese Journal of Management Science and Annals of Operations Research. Her research achievements have won 5 awards, including Excellent Paper Awards from Chinese academic conferences and Excellent Achievement Awards for Rural Revitalization Soft Science in China.