互联网金融对我国农业农村发展的促进作用研究

Study on the Promoting Effect of Internet Banking on the Development of Agriculture and Rural Areas in China

我国农村地区抵押物缺失或价值偏低,传统金融机构对农村资金供给一直处于不足状态。互联网金融的兴起,对于满足农村资金需求提出了新的路径选择,众筹、P2P平台的广泛使用给资金闲置者和资金短缺者建立了桥梁。文章总结了互联网金融发展的历程以及农村金融改革与发展演变过程,分析发展农村互联网金融的必要性及发展模式,提出互联网金融的发展,需要传统金融与互联网发展协同创新,同时加强金融监管,构建农村互联网金融的风险防范机制。

There is lack or low value of collateral basis in the rural areas of China, the traditional financial institutions to rural capital supply has been in the shortage state. Rise of the Internet fmance provide new path for rural financing, such as crowdfunding, P2P. This paper summarizes the development of the Internet finance and the rural financial reform, analyzes the necessity of developing the rural Internet finance and its development model. Then it puts forward the relevant suggestions such as coordinating with the Internet development, traditional financial innovation, establishing financial regulation and rural Internet financial risk prevention mechanism.