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多年来制约我国农村经济发展的瓶颈就是资金短缺,据相关数据显示,尽管我国农民对贷款有强烈的需求,但是农民正常信贷获批率只有27.7%,远远低于40.5%的全国平均水平。农户贷款难始终是个结症。随着国内P2P网络借贷发展,互联网金融开始向农村推进。于是便出现农户互联网金融借贷。农户互联网金融借贷降低农户向传统金融机构贷款门槛高、程序繁琐、抵押物价值不足等问题。但相关法律规定模糊以及监管真空,致使其存在较大风险。因此,本文通过对通辽市农户互联网金融借贷调查,认真分析发展中存在的问题,提出有效化解风险,促进农户互联网金融借贷规范健康发展的相关政策建议。
The bottleneck that has restricted the development of rural economy in our country for many years is the shortage of funds. According to relevant data, although farmers in our country have strong demand for loans, the approved rate of normal credit for farmers is only 27.7%, much lower than the national average of 40.5%. Farmer loans is always a knot disease. With the development of domestic P2P network lending, Internet finance began to advance to rural areas. So there will be farmers in Internet financial lending. Farmers’ Internet financial lending reduces the problems of farmers having high thresholds for loans to traditional financial institutions, cumbersome procedures and insufficient collateral value. However, the relevant laws and regulations vague vacuum and regulatory vacuum, resulting in greater risk. Therefore, this paper investigates the internet finance loan of peasant households in Tongliao city, carefully analyzes the existing problems in development, and puts forward the relevant policy suggestions of effectively mitigating the risks and promoting the healthy and healthy development of peasants’ internet financing lending.