技术创新与农村金融的耦合效应——基于互联网应用视角

The Coupling Effect of Technological Innovation and Rural Finance——Based on the Perspective of Internet Application

当前,传统农村金融机构在我国城市化的背景下受路径依赖的影响,农村金融市场分散、运行成本高,难以解决农村金融需求。理论上,基于点对点的互联网技术可有效解决信息交互效率低下的问题。但如何将互联网技术融入农村金融的发展中,更好地发挥技术创新与农村金融的耦合效应,是当下关于农村金融的发展研究中应该关注的。"耦合效应"旨在解决农村金融行业的信息鸿沟和供需脱节的问题,运用技术创新解决痛点,进而提高经营效率与服务水平。与此同时,农村金融创新为技术发展提供新的应用场景。可以预见,互联网金融的倒逼效应有助于农村金融探索新的发展道路,进而摆脱路径依赖。

At present, under the background of urbanization in China, traditional rural financial institutions are affected by path dependence. Rural financial markets are dispersed and their operation costs are high, which makes it difficult to meet rural financial needs. Theoretically, point-to-point Internet technology can effectively solve the problem of inefficient information exchange. However, how to integrate Internet technology into the development of rural finance and better play the coupling effect between technological innovation and rural finance should be the focus of current research on the development of rural finance. The purpose of "coupling effect" is to solve the information gap and the disconnection between supply and demand in rural financial industry, and to solve the pain point by technological innovation, so as to improve the operational efficiency and service level. At the same time, rural financial innovation provides a new application scenario for technological development. It can be predicted that the reverse effect of Internet finance will help rural finance to explore a new way of development, and then get rid of path dependence.