摘要
在市场调研基础上,分析了义乌市农村互联网金融市场需求端和供给端发展的制约因素。提出义乌农村互联网金融市场总体发展路径:第一,先教育和引导农户熟悉和参与互联网金融的支付,再参与互联网金融的理财,最后逐渐延伸至互联网金融的融资业务;第二,对于农村互联网金融的融资教育,先从农户熟悉的电商金融模式开始,再逐渐渗透到传统银行互联网金融部、三农服务商和P2P网贷;第三,政府相关部门应参与宣传教育,并提供和完善相关的软硬件环境。农村互联网金融市场发展将是一个循序渐进的过程,供需两端需协同发展。
Through the market survey,we analyze the restrictive factors of the development of the rural internet financial market demand side and supply side in Yiwu City.We propose the overall development path:The first,we should educate and guide the farmers to learn the internet payment,then to learn the financial programming of internet finance,and finally to learn the network loan;The second,in terms of the network loan education of rural internet finance,the education may begin with the E-commerce financing model,and then gradually infiltrate into the internet finance department of traditional banks,the service providers of agriculture,and P2P network loans;Finally,the government should participate in the publicity and education,and provide the relevant software and hardware environment.The development of rural internet financial market will be a gradual process,and the market supply side should develop in coordination with the demand side.
作者
蒋苏健
胡晓锋
JIANG Sujian;HU Xiaofeng(Zhejiang Guangsha College of Applied construction Technology,Jinhua 322100,China)
出处
《宁波职业技术学院学报》
2019年第4期79-85,共7页
Journal of Ningbo Polytechnic
基金
浙江省社会科学界联合会研究课题(2019B21)
关键词
农村互联网金融
义乌市
需求端调研
供给端调研
制约因素分析
the rural internet finance
Yiwu City
market survey on demand side
market survey on supply side
analysis on restrictive factors
