Research And Analysis Of Deep Integration Of Internet And Rural Finance

Internet finance has developed from 2013 to the present,breaking the pattern of financial consumption market in the past,and bringing great changes to the financial field.Internet finance has been widely used in cities,but the rural market is far from being excavated.How to integrate the Internet with rural finance and alleviate the imbalance between supply and demand in rural finance is attracting more and more attention from government and academia.In 2016,the central document No.1 indicated that Internet Finance and mobile finance should be guided in rural planning and development.In 2017,the No.1 document was more specific in the rural finance: advocating the active use of Internet technology by financial institutions to provide financial services such as small loans,budget and insurance for the main body of agricultural operations.At present,the application scope of Internet Finance in China is narrow,and the credit system is not perfect enough to effectively control financial risks.Therefore,it is of great theoretical and practical significance to explore the mechanism and path of the integration of the Internet and the rural financial depth.It is of great theoretical and practical significance to widen the way of rural financial financing and to innovate the Internet financial products which are suitable for rural needs.On the basis of introducing and summarizing the Internet financial theory,this paper analyzes the new trend of farmers' demand for Internet finance,studies the current situation and existing problems of Internet Finance in China,and analyzes the mechanism of the integration of Internet and rural financial depth from four dimensions.Finally,we put forward the Countermeasures for the development of Internet Finance in the rural areas of China,build an ecological system to adapt to the development of the Internet Finance in the rural areas,construct the prevention and control mechanism of the Internet financial risk,and design the Internet financial products that meet the needs of the "three rural",and put into a new force for the development of rural finance.