普惠金融视角下P2P网络借贷助农模式的探讨

Study on the Mode of the Aid of P2P Lending to Farmers from the Perspective of Inclusive Finance

拓展区域农户金融需求的获得渠道对提高农户生活水平和改善农村金融服务质量具有积极意义。本文通过对新疆不同地区的调查发现,农村借贷存在利率季节性波动、信用体系不完善、期限较长等问题,纯粹基于互联网的P2P小额信贷模式不能很好地适用于农村地区。P2P助农平台应与当地农村信用社、农村村委会、资金互助社、征信机构等合作,从而使农户、出借者、小额贷款机构以及P2P平台实现多赢均衡。

Expanding the channels for farmers to satisfy their financial needs has a positive significance for them to improve their living standard and the quality of rural financial services. Through the survey on different regions in Xinji- ang, we have found that farmers have strong credit demand and their financing channels mainly rely on the rural credit cooperatives. But the rural credit cooperatives can＇ t meet the demand of the farmers＇ credit need due to the lack of funding supply. Pure micro-finance mode based on P2P has made progress in solving farmers＇ financing needs but is not very suitable for rural area. Rural lending has some problems such as the seasonal fluctuation of the interest rate, imperfect credit system and longer loan term. This paper deeply analyzes the main development models of P2P in Chi- na, and draws a conclusion that the development of the aid platform of P2P should cooperate with the local rural credit cooperatives, the village committee, mutual cooperatives, credit bureaus and so on so that the farmers, lenders, microfinance institutions and P2P platform can win together.