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我国农村地区抵押物缺失或价值偏低,传统金融机构对农村资金供给一直处于不足状态。互联网金融的兴起,对于满足农村资金需求提出了新的路径选择,众筹、P2P平台的广泛使用给资金闲置者和资金短缺者建立了桥梁。文章总结了互联网金融发展的历程以及农村金融改革与发展演变过程,分析发展农村互联网金融的必要性及发展模式,提出互联网金融的发展,需要传统金融与互联网发展协同创新,同时加强金融监管,构建农村互联网金融的风险防范机制。
The lack of collateral or low value of rural areas in our country, the traditional financial institutions have been in deficit in rural areas. The rise of Internet finance has proposed a new path to meet the demand of rural funds. The widespread use of crowdfunding and P2P platforms has established a bridge between those who are idle and who have shortages. This paper summarizes the course of internet finance development and the evolution of rural finance reform and development, analyzes the necessity and development mode of rural internet finance, and proposes that the development of internet finance needs the synergetic innovation of traditional finance and internet development. At the same time, it strengthens the financial supervision and construction Rural internet finance risk prevention mechanism.