农村互联网金融体系整合与路径研究

Study on the Integration and Path of Rural Internet Financial System

改革开放以来,党中央及国务院始终对农村金融改革高度重视,力图通过政策引导方式推动农村金融创新,以促进农村金融基础设施建设,聚焦传统农业生产的薄弱点,提升农民收入,增加农业生产保障。尤其是2015年提出“互联网+”发展战略以来,以“互联网+传统农村金融”的农村互联网金融发展模式成为农村金融改革与发展的重点和方向,依托互联网技术的农村互联网金融新型业态发展迅猛、态势良好。但由于我国农村经济发展基础薄弱,农村互联网金融发展仍存在信息滞后、数据缺失以及监管失责等问题。对此,本文从融合发展角度出发,针对我国农村互联网金融发展痛点,分别从农村互联网金融法律建设、农村金融消费者权益保护、监管创新及信用体系建设等四方面,提出了具体发展策略。

Since the reform and opening up,the Party Central Committee and the State Council have always attached great importance to rural financial reform.For 16 consecutive years since 2003,“agriculture,rural areas and farmers”development issues are taken as the No.1 Document,trying to promote rural financial innovation through policy guidance,so as to promote rural financial infrastructure construction,improve the weak points of traditional agricultural production,increase farmers'income and agricultural production guarantee.Especially since the“Internet plus”development strategy was put forward in 2015,the development model of rural Internet finance,based on“Internet plus traditional rural finance”has become the focus and direction of rural financial reform and development.Relying on Internet technology,new forms of rural Internet finance have developed rapidly and enjoyed a good momentum.However,due to the weak foundation of rural economic development in China,the internet-based development of rural finance still has problems,such as lagging information,missing data and supervision.In this regard,from the perspective of integrated development,the specific development strategies are proposed in the paper from four aspects,namely,legal construction of rural Internet finance,protection of rights and interests of rural financial consumers,regulatory innovation and credit system construction.