我国电商平台农村互联网金融模式与发展研究

Research on Rural Internet Finance Model and Development of China’s E-Commerce Platform

随着农村互联网金融的兴起,农村地区的金融抑制现象得到了一定的缓解,其中,以互联网电商巨头为代表的农村互联网金融模式一直在稳步推进,并且取得了不错的成效。目前,基于电商平台的农村互联网金融模式主要有数据化平台模式、线上+线下熟人借贷模式和供应链融资模式,在发展过程中遇到了诸如配套设施不足以及农户对电商接受度不够等制约因素。因此,政府可以对农村地区的基础设施等配套进行完善;农户要转变观念,主动尝试电商平台提供的金融服务;电子商务平台则需要完善现有的农村互联网金融模式,并探索利用互联网技术使金融更好地为农村地区服务。

With the rise of rural Internet finance, the financial suppression phenomenon in rural areas has been alleviated. Among them, the rural Internet finance model represented by Internet e-commerce giants has been steadily advancing and achieved good results. At present, the rural Internet finance model based on e-commerce platform mainly includes data platform model, online + offline acquaintance lending model and supply chain financing mode. In the process of development, there are some constraints such as insufficient supporting facilities and insufficient acceptance of e-commerce by farmers. Therefore, the government should improve the infrastructure and other supporting facilities in rural areas. Farmers should change their mindset and take the initiative to try the financial services provided by the e-commerce platform. The e-commerce platform needs to improve the existing rural Internet financial model and explore how to use Internet technology.