我国农户网络借贷信任危机形成原因及解决对策

通过分析网络借贷平台与农户双方的信任机制问题,得出我国农户借贷信任危机的主要成因:一是农村互联网基础设施建设不足和农户使用习惯尚未形成而造成的农户和网络借贷平台之间的信息不对称;二是农村信用体系仍处于建设中,线下信用环境尚且不容乐观,农户线上信用意识更加薄弱。在此基础上,本文提出解决对策:在建设农村互联网基础设施的同时,帮助农户逐渐形成网络使用习惯;在完善农村信用体系的同时,加强建立农户的互联网信用意识;在开发网络借贷线上产品的同时,注重线上与线下的结合;在加强网络借贷平台监管的同时,支持网络借贷平台服务三农。

Through analyzing the trust mechanism of online lending platform and rural households,this paper makes a conclusion of the main causes of the credit trust crisis of rural households in China:the first is the information asymmetry between the rural households and the online lending platform caused by the insufficient construction of the rural internet infrastructure and the unformed use habits of rural households;second,rural credit system is still under construction,offline credit environment is not optimistic,and rural households’online credit consciousness is even weaker.On this basis,the author proposes solutions of helping farmers gradually form the habit of using the internet while building the rural internet infrastructure,strengthening the establishment of rural households’internet credit consciousness while improving the rural credit system,paying attention to the combination of online and offline in the development of online lending products,and giving backing to the one who serves three rural issues while strengthening the supervision of online lending platform.