“互联网+”在农村普惠金融发展中的应用与思考

The Application and Reflection of“ Internet +” in the Development of Rural Inclusive Finance

随着手机和移动互联网在农村地区快速发展,构筑基于互联网技术的普惠金融体系总体架构有效解决了传统金融机构物理网点不足的缺陷。本文在供求理论的分析框架下,以调查数据为基础,通过问卷调查的方式分析考察了汉中市农户金融需求与金融供给情况,回答解决了如何将新兴的互联网信息技术与农村金融相结合。

With the rapid development of mobile phones and Internet in rural areas,the inclusive financial system framework constructed based on the Internet technology has effectively solved the shortcomings of insufficient of traditional financial institutions’physical outlets.Under the analysis framework of the theory on supply and demand,based on the survey data and through the questionnaire investigation,the paper analyzes the financial demand and financial supply of farmer households in Hanzhong city,and aims to solve how to combine the emerging Internet information technology with the rural finance.