Fintech如何打通农村金融的“最后一公里”?

FinTech and the ‘Last Mile’ in Rural Finance

近年来农村居民消费规模大幅增长,但农村金融发展迟缓,同时由于银行风险偏好较低与网点成本高等因素,传统金融机构难以全面肩负农村金融的重任,农村金融"最后一公里"迟迟无法打通。而互联网金融由于边际成本低、创新的信贷风控模式,在实践中依托Fintech,创新农村金融服务方式,有望解决这个难题。

In recent years, consumption by rural residents has increased substantially, but the development of rural finance has been slow. Due to the low risk appetite of banks and the high cost of setting up bank outlets, traditional financial institutions have been unable to shoulder the heavy responsibility of rural finance. The so-called ＂last mile＂ in rural finance has been beyond the reach of many institutions. But FinTech--or internet finance--may be the answer to this problem. With its low marginal costs and innovative credit risk controls, this may be able to make the needed breakthroughs in bringing financial services to often remote rural areas.