互联网金融背景下我国农村电商发展现状以及优化路径

Under the Background of Internet Finance, China’s Rural E-Commerce Development Status and Optimization Path

随着大数据时代的到来,互联网金融已成为推动农村电商发展和乡村振兴的重要动力。作为改变农村经济发展方式的重要行业,农村电商是政府推动乡村振兴的重要平台,对于我国共同富裕目标的实现具有重要意义。基于此,本文结合互联网金融的特征对我国农村电商展开分析,从部分地区物流基础设施滞后、农村电商企业融资难、农产品特色化和品牌化程度低及农产品供给侧信息化程度低等四个方面剖析了我国农村电商面临的发展困境,并针对性提出了优化路径。

With the advent of the era of big data, Internet finance has become an important driving force to promote the development of rural e-commerce and rural revitalization. As an important industry changing the way of rural economic development, rural e-commerce is an important platform for the government to promote rural revitalization, which is of great significance to the realization of our country’s common prosperity goal. Based on this, this paper analyzed the development dilemma of rural e-commerce in China, combining the characteristics of internet finance. It dissected the challenges from four aspects: lagging logistics infrastructure in some regions, difficulties in financing for rural e-commerce enterprises, low degree of specialization and branding of agricultural products, and low level of informationization in the supply side of agricultural products. In response, targeted optimization paths are proposed.