Research On The Development Of Rural Inclusive Finance Under The Background Of "Internet+"

In 2005,the United Nations first put forward the concept of inclusive finance,which was developed from micro-credit and micro-finance.It mainly refers to the individualization of different financial needs of different groups of people in society.High-yield financial services,expanding the coverage of financial services,and targeting vulnerable groups such as farmers and urban low-income groups.At present,China regards "inclusive finance" as an important part of the financial system reform.However,it is very difficult to develop financial services in rural areas with large population and wide distribution.Due to the lack of financial infrastructure,the limited cultural level of farmers and the imperfect credit information,there are still many problems in rural financial market,such as high threshold,high risk,low efficiency and difficulty in borrowing and lending.Rural finance is still the weak link in the development of China's financial system.Rural inclusive finance is also the top priority of China's inclusive financial development.At present,China attaches great importance to the construction of an inclusive financial system in rural areas.The "Opinions on the Development of Financial Services,Agriculture,Rural Areas and Farmers" issued in 2014 clearly pointed out that we should pay attention to the development of inclusive finance in rural areas.Later,in the "Promoting Inclusive Financial Development Plan(2016-2020)"published in 2015,it was further pointed out that it is necessary to improve the financial service coverage,availability and satisfaction of residents in rural areas.In the Central Document No.1 of 2018,it was clearly pointed out that the focus of the development of inclusive finance is in rural areas.Although traditional financial institutions continue to support the development of inclusive finance in rural areas,problems such as weak infrastructure in rural financial markets and single financing channels still exist,and the financial needs of rural markets are not effectively met.At this time,the emergence of "Internet+" has injected new vitality into the development of rural inclusive finance.With the development of Internet technology,Internet + finance has developed and expanded,and the range of radiation has extended to the rural market.Its Internet technology has improved the availability of financial services to vulnerable groups in rural areas and promoted the development of Inclusive Finance in the rural market.The "Internet+" financial model has made up for the deficiency of traditional finance in rural financial market,filled the blank area of financial services that traditional financial institutions did not touch,and reduced the financial transaction cost and information asymmetry."Internet+" finance is characterized by convenience,rapidity and low cost,which is in line with the concept of inclusive finance in rural areas and shows a trend of rapid development in rural areas."Internet+" rural inclusive finance has formed a variety of typical models such as P2P platform and rural supply chain finance,which has greatly promoted the development of rural inclusive finance."Internet+" as a new thing has brought new opportunities to the rural financial market,but also brought a variety of problems.Therefore,we need to analyze the development of rural inclusive finance in the context of "Internet +",find out the existing problems in the development,and put forward countermeasures to solve the problems,so as to realize the sustainable development of inclusive finance.This article will start with the basic concepts of "Internet+" and rural Inclusive Finance,and discuss the possible relationship between them from a theoretical perspective.At the same time,based on the special financial market of rural areas and the previous research results of experts,we discussed the role of "Internet+" in the development of Inclusive Finance in rural areas.First of all,the research on the current development of Inclusive Finance under the background of "Internet +" proves that"Internet+" is conducive to the development of Inclusive Finance in rural areas.Then,from the micro,meso and macro perspectives,it analyzes the problems existing in the current development of "Internet +" and rural Inclusive Finance.Finally,the SWOT analysis is carried out for typical cases,and relevant case apocalypse is obtained.The countermeasures and suggestions for solving the existing problems and promoting the healthy development of rural Inclusive Finance under the background of "Internet plus" are put forward.