农村电商建设发展与金融支持研究

Construction and Development of Rural E-commerce and Its Financial Support

随着乡村振兴的推进,传统金融机构为农村电商提供的金融服务与其发展逐渐不相适应,存在内部结构不协调、配套市场功能发挥不充分等问题。以农村电商持续发展为研究目标,分析农村电商和农村金融发展状况,基于存在的不足从涉及的金融主体、中介市场、政府三方出发,提出农村金融机构应完善其金融服务供给、创新服务模式,配套市场需要根据农村电商特性更新现有标准、提供更多机会,由政府强化政策力度、财政扶持和法律保障为农村电商和金融主体保驾护航。未来,农村电商朝着品牌化的方向不断壮大,需要电商金融在短期内提供快捷的借贷产品,也需要金融机构在长期内提供全方位的多样化金融服务。

With the development of rural revitalization,financial service provided by traditional financial institutions to rural e-commerce has been gradually incompatible with their development,and there are problems such as uncoordinated inner structure,supporting markets with defective function and so on.Taking the sustainable development of rural e-commerce as the research goal,the current situation of rural e-commerce and rural financial institutions were analyzed,and based on the existing shortcomings,starting from the involved financial institutions,intermediary market and the government,it was proposed that rural financial institutions should optimize supply chains of service and innovate their modes,while supporting market ought to update current standards and offer more opportunities on the basis of characters of rural e-commerce,the government should strengthen policy,financial support and legal protection to protect rural e-commerce and financial entities.In the future,rural e-commerce will continue to grow in the direction of branding,which will call for more convenient products offered by e-commerce financial institutions in the short term,and all-round financial services furnished by traditional financial institutions in the long term.