摘要
本文通过对现有农村互联网信贷实践所使用的贷款技术的多案例研究,发现农村互联网信贷发展需要经历两个阶段:在第一个阶段,农村互联网信贷能够开展业务的核心在于其直接或间接地嵌入一定的线下社会网络,通过"社会网+"缓解信息不对称和契约执行难题,而互联网技术的使用让上述嵌入机制能够在更大范围内以更低成本发挥作用;在第二个阶段,"线上信息+线上审核"的互联网信贷会成为缓解农村金融难题的重要方式。但是,无论在哪个阶段,农村互联网信贷都会运用到农村社会网络,其内在逻辑一定是"互联网+社会网",即技术逻辑和社会逻辑的结合。因此,农村信贷在引进互联网技术时,应更加注重其社会逻辑,即技术运用的社会载体及场景,实现"社会网+互联网",从而更好地促进金融普惠。
Based on multiple case studies of the rural internet financial innovation of internet credit,this article finds that the key of innovation lies in the fact that it is directly and indirectly embedded in a certain social network.The“social network plus”can ease difficult problems of information asymmetry and contract execution.The use of internet technology allows these embedded mechanisms to work in a greater scope and at a much lower cost.In the future,internet credit with an“online information plus online review”system is likely to become an important way to alleviate rural financial problems.However,rural internet credit will be applied to rural social networks at any stage of development.The real logic of mechanisms should be a combination of a technical logic and a social logic.This implies that,in the process of introducing internet technology into rural finance,more attention should be paid to the social logic,namely,social carrier of technology application,in order to achieve“social network plus internet”and promote financial inclusiveness.
作者
罗兴
吴本健
马九杰
Luo Xing;Wu Benjian;Ma Jiujie
出处
《中国农村经济》
CSSCI
北大核心
2018年第8期2-16,共15页
Chinese Rural Economy
基金
国家社会科学基金重大项目"有助于‘三农’问题解决的城乡发展一体化体制机制与政策研究"(项目编号:13&ZD023)
国家社会科学基金项目"互联网金融视域下普惠金融的发展误区与金融包容体系构建研究(项目编号:15BJY166)"的资助
国家自然科学基金青年项目"农村正规金融发展
金融空间演化与县域内城乡收入差距"(项目编号:71603306)
