我国农村互联网金融发展的若干思考

Thought on Development of Internet Finance in China’s Rural Areas

实施乡村振兴战略,解决“三农”问题,离不开资金的支持。随着移动互联网的普及,互联网金融模式在一定程度上提升了农业金融覆盖率,为农业生产主体提供资金保障,为产业发展注入动力和支持,缓解了农村资金短缺的矛盾。目前我国农村互联网金融发展存在征信体系不健全、担保机制不完善、缺乏风险防范管理、金融人才缺乏等问题。建议从加强农村征信体系建设、建立农村互联网金融市场担保机制、加大互联网金融监管力度、加强互联网金融人才培养等方面促进农村互联网金融健康稳定发展。

It cannot be without financial support to implement rural revitalization strategy and solve issues relating to agriculture,rural areas and rural people.With the popularization of mobile internet,the internet finance model improves the coverage of agricultural finance to a certain extent,provides financial guarantee for agricultural production entities,injects power and support for industrial development,alleviates shortage of rural funds.By combing the development process of China’s internet finance,this paper puts forward the inevitability and main mode of the development of rural internet finance.Besides,it analyzes the main difficulties in developing rural internet finance,makes some suggestion to promote healthy and stable development of rural internet finance from strengthening the construction of rural credit system,establishing rural internet financial market guarantee system,strengthening the supervision of internet finance and the training of internet finance talents.