| Recent years,rural financial services in Hubei province have made substantial progress,agricultural credit continues to increase,and the system of financial services improves constantly.Hubei province takes the lead in realizing a complete coverage of blank node in township institutions,and in supplying basic financial services for the whole.In rural areas,however,the difficulty of collecting credit information and relatively high cost of doing business are still the barriers of the current development of traditional financial services.In contrast,some agricultural banks in rural areas use the Internet to explore rural inclusive finance,which has achieved initial success.Agricultural bank is the only large state-owned commercial bank which has branches in almost all counties(cities),and has obvious advantages in the rural financial market with years of service experience.In the new period of development of the three rural issues(agriculture,rural development and farmers)business,the agricultural bank should make full use of its superiority,play its key role in rural financial system,and constantly strengthen the rural financial services.E-agriculture butler,which is launched as the first electric business platform aiming at helping solve the three rural issues by Hubei agricultural bank,is the core platform of practicing the Internet finance.The platform has taken effect since January 1,2015,and has developed rapidly due to its own advantages and characteristics.It has opened up new roads of servicing the three rural issues through internet finance,upgrading the projects benefiting the rural issues,and enhancing the core competitiveness of agricultural bank at the level of county.The release of E-agriculture butler has aroused widespread concern in the country.Its current status and future development have also got the attention from the insiders,administrative department,and the experts and scholars in the related field.This article is based on investigation to Yidu City,seeking truth from the perspective of social survey.Through investigation,I have obtained the rich material,and then use qualitative and quantitative methods to build comprehensive evaluation system of Hubei branch of the agricultural bank E-agriculture butler from the following three levels:agricultural bank's service,the use of customers,and the using effect of customers.What's more,I hope that this article will provide important policy thinking and reference for the development of the Internet plus inclusive finance.Therefore,this article qualitatively summarized the inclusive finance practices of Hubei branch of the agricultural bank,the development of the mode of the E-agriculture butler servicing the three rural issues in Yidu City,the achievements and the difficulties faced by,and then send the questionnaires to the users of E-agriculture butler in this field.Through principal component analysis,cluster analysis,quantitative analysis of the samples,there is a conclusion that the evaluation of Hubei branch of the agricultural bank E-agriculture butler is good,and it can be better.Finally,I use the entropy weight method to analyze and find the field where E-agriculture butler can be improved,and I draw the conclusion:the comprehensive evaluation system of Hubei branch of the agricultural bank E-agriculture butler affect mostly by the using effect of customers,the second is the agricultural bank's service,and the last is the use of customers,what's more,respectively analyzes the entropy of three levels,and puts forward the corresponding thought to promote the development of E-agriculture butler. |
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