大数据在农村金融发展中的应用探究

Application of Big Data in Rural Financial Development

在农村金融发展中,融资不畅情况的出现将直接影响农民收入,引发农民增收障碍产生、缩小城乡贫富差距的难度加大等问题,农村金融发展不完善所导致的弊端又将继续影响农村经济,形成恶性循环。当今时代,金融服务多表现为金融企业基于大数据的信息支持为客户提供住房贷款、汽车贷款、助学贷款等情形,具有降低风险、减少运营成本、解决农村金融业信息不对称问题等显著优势。这使大数据成为农村金融改变现状并向好发展前所未有的新机遇。大数据的优化应用将大大简化农民的融资进程,改善资金效率,促进农村金融的发展和资本的有效分配,让广大农民受益于大数据时代带来的便利。

In the development of rural finance,the appearance of poor financing will directly affect the income of farmers,causing obstacles to farmers'income increase,increasing the difficulty of narrowing the gap between the rich and the poor between urban and rural areas,etc.The drawbacks caused by the imperfect development of rural finance will continue to affect the rural economy,forming a vicious circle.In today's era,financial services are mostly represented by financial enterprises providing customers with housing loans,auto loans,student loans,etc.based on big data information support,which has significant advantages such as reducing risks,reducing operating costs,and solving the problem of information asymmetry in rural financial industry.This makes big data an unprecedented new opportunity for rural finance to change the status quo and develop better.The optimized application of big data will greatly simplify the farmers'financing process,improve the capital efficiency,and promote the development of rural finance and the effective distribution of capital,so that farmers can benefit from the convenience of the big data era.