Research On The Development Mode And Inclusive Factors Of Rural Internet Finance In Anhui Province

Rural finance has always been a weak link in China's financial system,and it is also a focal point of the Central Document No.1 for consecutive 14 years.As China's agricultural production is a small-scale decentralized operation,the rural economy is characterized by "high risk and low returns." Traditional financial institutions are particularly serious about financial exclusion in rural areas.Farmers find it difficult to obtain the required financial services.Some remote areas may even There is a phenomenon of blank financial services.Therefore,deepening the reform of the rural economic system has become a top priority in our country's "three rural" work.In 2014,the State Council issued the "Several Opinions on the Development of Financial Services,Agriculture,Rural Areas and Farmers" and proposed to vigorously develop rural e-banking business and accelerate the establishment of micro-credit technology in rural areas.In 2016,the No.1 Central Document put forward “supporting the development of Internet finance in rural areas” for the first time;in 2017,the No.1 Central Document proposed that financial institutions be encouraged to use Internet technology to provide financial services such as financial financing and payment settlement for residents in rural areas.With the rapid development of Internet finance in rural areas,scholars from various countries have found that there is a high degree of coupling between rural internet finance and rural inclusive finance,and the promotion of internet finance in rural areas will contribute to the implementation of inclusive financial policies.Therefore,how to improve the level of Internet finance has become a problem to be solved.In recent years,rural Internet finance in Anhui Province has entered a fast-growing channel.At present,Anhui rural Internet financial institutions include agriculture-related P2 P,agricultural e-commerce platforms,and non-network-based financial institutions.The risk control analysis can effectively measure the current level of rural Internet finance in Anhui Province and provide theoretical basis for farmers to choose financing channels.The study of influencing factors on the basis of clarifying the development level of rural Internet finance in Anhui Province can in the future increase the input of influencing factors,increase the development level of rural Internet finance in Anhui Province,and promote the development of inclusive finance in rural Anhui Province.Therefore,it is very necessary to carry out the model analysis and the influencing factors of rural Internet finance in Anhui Province.This paper firstly studies and combs related literature at home and abroad and concludes the significance and necessity of further improving and developing rural internet finance.Then based on the theory of internet finance,combined with the status of rural internet finance in Anhui Province,the rural Internet finance in Anhui Province Involved in the case of P2P-agriculture-supported online lending,e-commerce platform supply chain financing model,and non-network-based financial institution model,detailed operational mechanism analysis and risk control analysis were conducted.The empirical part analyzes the influencing factors of the development of rural Internet finance in Anhui Province,uses the entropy method to calculate the weight of each influencing factor,and measures the degree of influence of each factor on the development of rural Internet finance in Anhui Province based on the weight;and then calculates rural Anhui Province according to the weights.The Internet financial development index measures the development level of rural Internet finance in Anhui Province through the development index.The last part is the conclusions and suggestions,analyzes the previous development model and empirical results,and puts forward corresponding policy recommendations.