摘要
"互联网+农业"模式的兴起推动了农村互联网金融快速发展,同时农村金融机构以互联网为导向,为农民提供更为便捷、全面的金融服务。以"农纷期"公司为例,由点到面地分析现阶段农村金融企业发展模式,并对安徽巢湖某农户分析其从"农纷期"贷款的主要原因及行为决策。通过案例研究和现状的总结,互联网作为新兴的生产力要素,对传统的农村金融起到很大的促进作用,但是受制于农村金融发展的约束,使得"互联网+农村金融"在发展过程中遭遇种种问题,从辩证关系来看是新兴生产力与传统生产关系之间的矛盾,表现为现实的农村金融体制机制并没有为"互联网+农村金融"的发展做好充分准备,导致生产关系的滞后,使得"互联网+农村金融"的发展面临诸多的现实矛盾与冲突。农村互联网金融问题通过逐渐完善农村互联网基础设施、廓清政府与市场边界以及健全体制机制等措施来进一步解决,从而推动农村金融市场的健康发展。
"Internet+Agriculture"mode has promoted the quick development of rural internet finance,and making rural financial institutions provide more convenient and comprehensive financial service for farmers.Taking the company Nongfenqi as an example,the development mode of rural financial enterprises were analyzed,from individual perspectives to all-round observation,and then,main reasons and behavior decisions of a Nongfenqi loan user in Chaohu was particularly analyzed.As a new productivity factor,internet promotes the development of traditional rural finance,and limited by the rural finance at the same time,making"Internet+Rural Finance"come across many difficulties.From the perspective of dialectics,there is a conflict between new productivity and traditional relations of production,the existing rural financial system has not prepared for the development of"Internet+Rural Finance",and the relations of production has been lagging.The measures for solving rural internet finance problems and promoting the healthy development of rural financial market,including enhancing the infrastructure of rural internet,making the border of market and government clear,establishing the needed systems and mechanisms,and so on.
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