互联网金融与家庭农场融资对接研究

Study on the Butt-joint of Internet Finance and Family Farm Financing

依托信息和互联网技术而迅猛发展的互联网金融,开创了我国金融服务新局面。蓬勃发展的家庭农场,为我国沉闷农村经济语境注入了新的活力。但传统金融模式难以满足家庭农场的融资需求,制约着其健康发展。互联网金融与家庭农场融资的特征表明两者对接耦合性强且协同优势明显。但家庭农场互联网金融用户习惯尚未养成、客户信用体系难建立、行业监管体制滞后等因素制约着两者对接,因而需要培养用户习惯、建立客户信用体系、健全监管体制为其创造条件。

Relying on the information and internet technology the rapid-developing internet finance created a new situation in China＇s financial services. Vigorous developing family farms have given new energy and power for depressing rural economic environment in our country. But the traditional finance mode is hard to meet the financing needs of the family farms and restricts its healthy development. The features of internet finance and family farm financing indicate the maximal coupling of the butt-joint of them, and more, the collaborative advantage is obvious. However, family farmers＇ practice of internet finance has yet to develop, customer credit system is hard to establish and industry regulatory system is lagging behind, all of which restrict the butt-joint of them. We need to create good conditions for them by developing users＇ internet finance habit, establishing customer credit system and improving the regulatory system.