Allude first in a file 2016 " supportive Internet finance develops " , but after developing through a year, the Internet finance development of our country country still is in start level, main reason is to use a group to be spent to product requirement not tall. Current, the work way of our country most country or responsibility contract make, every every land with contract fair. Below this kind of circumstance, the farmer is put in the demand of financing scarcely during cultivate, loan demand is few, interconnection finance has the land of use force hard also below this kind of circumstance.
But many rural population can participate in all sorts of Internet finance to invest, participate in even collect money illegally, among financial bilk. Can produce this kind of phenomenon, because this part crowd is insufficient still to the understanding of Internet,basically be deep, just should beginning savor only a bit benefit is maintained from the heart with respect to meeting hair so called " 0 risks, high income " , final amid jumps over defect deeper.
Because of the obstacle that this Internet finance develops in the country, it is rural population knows inadequacy to Internet finance, do not know the risk of Internet finance, do not understand the financial bilk that exists in Internet finance, cannot discriminate Internet finance information effectively. Accordingly, the country is necessary the popular science plan with corresponding formulate, the knowledge that has Internet side for the country as soon as possible gains ground.
This kind popularizes need to bring into construction of system of credit of our country country among them, because finance of our country country is in,start level, rural credit system is short of break, the risk is prevented accuse difficulty very big.
Can say to be below the circumstance that does not have Internet, credit system construction is almost impossible to be able to fulfil, information of the financial data of incorrect individual, consumption undertakes an analysis, estimation can be passed only measure a lie this one mode sees a person reliable. Advance construction of rural credit system, also need to build establishment of Internet form a complete set first likewise, pass education to encourage rural population to take an active part in to credit system through announce among construction. In the meantime, terminal of orgnaization of even other finance, consumption undertake cooperative, the deposit condition that carries pair of rural population, loan circumstance, fund use condition, year water situation undertakes analytic arranging, all sorts of data of a large number of integrated rural population undertake integration analysis, fulfil credit system construction with this.
No matter be the osmosis of Internet finance or credit system construction, will be a relatively slow process, this process needs by it is difficult to arrive easily. Develop Internet banking in the country accordingly must successive, drive Internet finance through traditional banking.
Additional, like the financial product of all sorts of industries, agricultural finance also has a variety of kinds. The redound cycle of some crop is a year, some crop first redound cycle may be in 3 to 5 years of above, produce (11.62, - 0.09, - the different, redound of 0.77%) differs periodicly, the different; that means financing dimensions demand manages together, the financing demand that grows the fractionize industry such as tourism of course of study, produce treatment industry, country also can differ somewhat. Accordingly, below the diverse demand of different fractionize industry, "Encourage financial orgnaization to use Internet technology actively to manage main body to offer for agriculture small put loan " can let traditional banking orgnaization rise conduct action more, so that bring the Internet finance orgnaization of more and different type, form,serve for the country.
"Internet finance " although have very rich definition and very powerful function, but look from the function that fulfils currently, great majority person thinks Internet finance realizes the platform of financing, investment through Internet namely. "Internet + traditional banking " it is to adopt technology of Internet information communication and Internet platform, let Internet and traditional banking undertake deepness confluence, create new development modes of life and relation to their environment.
Both quite, "Internet + traditional banking " covers range is a few bigger, but with respect to our country current rural construction looks, still do not have temporarily realize agricultural industry catenary through Internet all-around integrated ability, still need to pass integrated and many natural resources to include infrastructure construction, introduce talent of agricultural high end to wait. Under photograph comparing, internet finance comes true more easily a few, basically adopt Internet terminal and certain financial regulation can.
Guide finance of traditional rural area to develop Internet + business, undertake with respect to need essence of life follows an analysis. Consider distribution of our country agriculture is very wide, each district all is applied according to climate, soil, environment and demand fact cultivate, the plan such as production, treatment, service, commerce, because this needs to be united in wedlock to establish corresponding development framework actually, develop Internet energetically with this + business.
Simple and character, want to adopt chain of integrated place industry namely, optimize place to produce resource, union already if catenary optimizes the executive industry such as road transportation, content shedding, Internet,some infrastructure are built, the side of structural sex supply that fulfils agriculture with this is reformed, increase total output of rural unit area, reduce agriculture to cultivate, the totle drilling cost of the respect such as treatment, commerce, increase rural population income stage by stage with this.
What this also means traditional banking to want overall arrangement is agriculture not just, still need to build the job to provide certain help for relevant foundation, ability lays next better foundations for rural finance development.
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