论文部分内容阅读
长期以来,虽然金融支农力度不断加大,但农村信贷难问题一直得不到有效解决。由于农业自身看天吃饭的弱质性、农村金融基础设施薄弱、金融服务不足、征信系统不完善等因素,导致农村信贷成本高、风险大。中国社科院最新调研成果显示,当前我国“三农”金融缺口超过3万亿元,“三农”金融有效供给严重不足。业内普遍认为,在当前乃至未来一段时间内,以网络借贷为代表的互联网金融手段,或将成为缓解我国“三农”领域金融供给短缺问题的主要出路。
For a long time, although the intensity of financial support for agriculture has been increasing, but the problem of rural credit has not been effectively solved. Due to the weak nature of agriculture for eating by nature, the weak financial infrastructure in rural areas, the inadequate financial services and the imperfect credit information system, rural credit costs are high and risks are high. According to the latest research results of the Chinese Academy of Social Sciences, the current financial gap in agriculture, rural areas and farmers in China exceeds 3 trillion yuan and there is a serious shortage of financially effective supplies of agriculture, rural areas and farmers. It is generally believed in the industry that Internet financial means represented by Internet loans will be the main outlet for alleviating the shortage of financial supply in the field of “three agriculture” in the current and future period.