普惠金融视角下互联网金融模式在农村实施的现状、案例和发展对策

The Status,Obstacles and Countermeasures of Internet Financial Innovation in Rural Area from the Inclusive Finance Perspective

互联网金融模式下的授信方式创新有助于提高农户融资可获得性,有利于增加农村金融市场的总供给。把互联网金融的文化理念植入农村金融机构,将会极大推动我国普惠金融体系的发展。本文分析了现阶段互联网金融创新在农村实施的现状和案例,并对限制互联网金融创新发挥农村金融普惠作用的障碍提出了解决对策。

The mode of Internet financial innovation helps to improve availability of farmers＇ financing. Access- ing the Internet financial innovation of rural financial field, planting the Interuet financial cultural concepts into the ru- ral financial institutions, will greatly promote the development of inclusive financial system in our country. This paper analyzes the current ways and the status of Internet financial innovation for rural financial inclusion, and puts forward some countermeasures for the Internet financial innovation to face the obstacles of rural financial Implementation.