互联网时代农村普惠金融实现路径研究

Research on the Realization Path of Rural Inclusive Finance in the Internet Era

农村金融发展在现代经济中发挥着不可替代的作用,它是社会主义市场经济体系的一个重要组成部分,但当前我国农村普惠金融存在供需失衡、普惠金融产品单一,农户贷款难、金融基础设施建设不够完善等问题。互联网时代下,传统农村金融与互联网技术相结合为农村普惠金融的实施提供了巨大的优势,结合当前农村普惠金融的供需现状和存在问题,应当扩大农村普惠金融服务供给、创新农村普惠金融产品,优化农村征信体系,完善金融法律法规等,以促进农村普惠金融发展。

Rural financial development plays an irreplaceable role in modern economy,which is an important part of socialist market economy system.But there are some problems such as imbalance of supply and demand,single financial products,the difficulty of farmers’ loans and imperfect financial infrastructure construction.Under the age of Internet,the combination of traditional rural finance and Internet technology provides great advantages for the implementation of the rural financial benefits.Based on the present situation and existing problems of the current rural finance,this paper puts forward some suggestions to expand the rural financial service supply,to innovate the rural financial products,to optimize the rural credit system,and to perfect the financial laws and regulations to promote the rural financial development.