摘要
近年来,我国农村商业银行作为农村信用合作社改革的产物已经成为农村金融中的主力军。作为互联网和金融两行业结合的新兴产物——互联网金融对我国农村金融产生了深远影响。互联网金融对辽宁农村地区金融发展有一定促进作用,如可以利用互联网金融低成本、高速、简单易行等特点满足人们的金融活动需求。然而,辽宁省农商行还存在风险防范制度不完善、产品单一与创新不足、技术人员缺乏等问题,为此,要积极促进农商行改革,积极发展电商服务,加大与互联网企业合作力度,加强人才队伍引进与建设,以促进辽宁农商行不断发展壮大。
In recent years,the rural commercial banks in China have become a major force as the product of the reform of rural credit cooperatives. Currently,the emerging product which combines the Internet and finance,Internet finance has a profound impact on the rural finance. This study chooses rural commercial banks in Liaoning province as the research object based on the Internet finance. It summaries the concept and models of Internet finance and analyzes the reasons for the rise of Internet finance. It generalizes the status of the development of rural commercial banks in Liaoning province,applying the SWOT model to analyze the rural commercial banks in Liaoning. At last,it puts forward the path for the rural commercial banks,hoping to provide references for related institutions to make policies.
出处
《沈阳师范大学学报（社会科学版）》
2017年第1期11-15,共5页
Journal of Shenyang Normal University(Social Science Edition)
基金
国家社会科学基金项目(16BJL026)
辽宁省社科规划基金项目(L15BJY021)
辽宁经济社会发展立项课题(2017lslktyb-161)
沈阳师范大学重大孵化项目(ZD201611)
