农村互联网金融:一个文献综述

Rural Internet Finance: A Literature Review

2022年中央一号文件,首次将“强化乡村振兴金融服务”单列为一项重要内容,文件注重从体制机制上激励金融机构支持乡村振兴,同时强调加强完善农村金融基础设施的建设工作,尤其是在农村金融知识教育、统计工作等方面。伴随着国家经济发展的转型,建设智慧农业、数字乡村,国家对农村经济建设的投入不断增大,进而推动了互联网金融的迅速发展。由于互联网的发展不受地域和空间的限制,这种新兴的金融模式也迅速扩展到我国的广大农村地区,形成了具有农村特色的农村互联网金融。本文将从农村互联网金融运作模式及特点、以及出现的问题进行总结,进而提出有助于其发展的对策和建议。

For the first time, “strengthening financial services for rural revitalization” was listed as an important content in the No. 1 Document of the Central Government in 2022. The document focused on encouraging financial institutions to support rural revitalization from the system and mechanism, and emphasized strengthening and improving the construction of rural financial infrastructure, especially in rural financial knowledge education and statistical work. With the transformation of the country’s economic development and the construction of smart agriculture and digital villages, the country has continuously increased its investment in rural economic construction, which in turn promoted the rapid development of Internet finance. Since the development of the Internet is not restricted by region and space, this emerging financial model has rapidly expanded to the vast rural areas of our country, forming rural Internet finance with rural characteristics. This article will summarize the operation mode and characteristics of rural Internet finance, as well as the problems that have arisen, and then put forward countermeasures and suggestions that will help its development.