摘要
基于传统金融市场构成、资源配置不均衡以及金融市场配套不完善的原因,普惠金融在现实中对"三农"和小微企业融资需求存在不足情况,本文提出了"互联网+"视角来解决普惠金融存在的两个方面问题:一是基于农业互联网金融发展基础,通过农业全产业链和"互联网+农业+金融"的视角来研究农业互联网金融实现路径,并通过三个现实案例进行解读;二是"互联网+金融"与小微企业融资合作基础,从互联网金融发展模式和基于"互联网+"全国征信体系平台的视角来研究"互联网+金融"对小微企业融资实现路径。在此基础上,提出了政府应做好传统产业与"互联网+"引导、基于"互联网+"全国征信体系平台建立以及加强互联网金融监管的三方面政策建议。
According to inclusive finance there is a shortage of the ＂three rural＂ and small and micro businesses financing needs, this paper puts forward the ＂internet plus＂ perspective to solve two problems of inclusive finance. One is through the whole industry chain of agriculture and agriculture from the perspective of ＂internet plus ＋ finance＂ to study the Internet financial path. And interpretation through three actual cases; two is from the internet financial development model and based on the ＂internet plus＂ the national credit system platform from the perspective of ＂internet plus finance＂ of small and micro businesses financing path. On this basis, it puts forward that the government should do the traditional industry and the ＂internet plus＂ guide, based on the ＂internet plus＂ platform for the establishment of the national credit system and strengthen financial supervision of Internet three policy suggestions.
出处
《经济体制改革》
CSSCI
北大核心
2016年第4期145-149,共5页
Reform of Economic System
关键词
“互联网+”
普惠金融
发展路径
对策
＂intemet plus＂
inclusive finance
development path
countermeasures
