摘要
农村金融是我国金融体系中最薄弱的环节,由于贷款额度小、资金分散、无抵押物、风险较大等问题的存在,农户借贷成为传统金融机构不愿触及的"长尾"地带。论文从现有涉农网络借贷模式入手,以绍兴市农户为例对农户参与涉农网络借贷平台的意愿进行分析,据此提出相关建议。
The rural finance is the most vulnerable part of the financial system in our country. Because of the existence of the problems such as small loans, funds dispersed, no collateral, large risk, the peasant household borrowing become the ＂long tail＂ that the traditional financial institutions reluctant to reach.This paper starts with the existing agricultural network lending model, and takes the farmers in Shaoxing city as an example to analyze the willingness of farmers to participate in the online lending platform.Based on this, some suggestions are put forward.
出处
《中小企业管理与科技》
2017年第10期59-60,共2页
Management & Technology of SME
基金
2016年浙江农业商贸职业学院学科研究一般项目:互联网金融视角下涉农网络借贷模式研究
项目编号:KY201604
关键词
三农
网络借贷
宜农贷
agriculture
rural areas and farmers
the network of borrowing
appropriate agricultural credit
