“互联网+农村金融”的辩证关系分析——基于案例调研
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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.
"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.
引文
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[15]李文河.创新农业投融资体制,促进互联网农业金融的发展[J].时代金融(下旬),2015,(8):8.
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[17]唐晓旺.“互联网+”背景下农村金融机构转型与创新[J].中州学刊,2015,(12):50~54.
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[21]帅青红.电子支付与结算[M].大连:东北财经大学出版社,2011.
[22]谢平,邹传伟.互联网金融模式研究[J].金融研究,2012,(12):11~22.
[23]马鑫.当前我国农村金融抑制问题分析[J].经济纵横,2010,(6):80~83.
[24]刘爱萍.如何促进互联网金融规范发展[N].光明日报,2013-07-29(007).
[25]何师元.“互联网+金融”新业态与实体经济发展的关联度[J].改革,2015,(7):72~81.He Shiyuan.The correlation between new format“Internet&Finance”and real economic development[J].Reform,2015,(7):72~81.
[26]何玲,朱家明.“互联网+金融”创新下的农村金融发展研究[J].牡丹江师范学院学报(哲学社会科学版),2016,(3):48~51.He Ling,Zhu Jiaming.Research on the development of rural finance under the internet financial innovation[J].Journal of Mudanjiang Normal University,2016,(3):48~51.
[27]高珊.涉农互联网金融P2P与农村信用体系建设探讨[J].征信,2016,34(5):39~42.
[28]马勇,陈雨露.金融发展中的政府与市场关系:“国家禀赋”与有效边界[J].财贸经济,2014,(3):49~58.Ma Yong,Chen Yulu.Government-market relationship in financial development:national endowments and efficient frontier[J].Finance&Trade Economics,2014,(3):49~58.
[2]李宏畅.互联网金融发展对我国农村金融的启示[J].农场经济管理,2015,(7):21~22.
[3]何广文.中国农村金融转型与金融机构多元化[J].中国农村观察,2004,(2):12~20.
[4]曲鸥.农村金融与农村经济发展探析[J].对外经贸,2017,(2):124~125.
[5]McKinnon R I.Money and capital in economic development[M].Brookings Institution Press,2010.
[6]马晓河,蓝海涛.当前我国农村金融面临的困境与改革思路[J].中国金融,2003,(11):12~14.
[7]朱喜,马晓青,史清华.信誉、财富与农村信贷配给——欠发达地区不同农村金融机构的供给行为研究[J].财经研究,2009,35(8):4~14,36.Zhu Xi,Ma Xiaoqing,Shi Qinghua.An empirical analysis of reputation,wealth and rural credit rationing:study on the supply behavior of different rural financial organizations in less-developed areas[J].Journal of Finance and Economics,2009,35(8):4~14,36.
[8]何广文.从农村居民资金借贷行为看农村金融抑制与金融深化[J].中国农村经济,1999,(10):42~48.
[9]谢平,尹龙.网络经济下的金融理论与金融治理[J].经济研究,2001,(4):24~31,95.Xie Ping,Yin Long.The finanical theory and the financial governance under internet economy[J].Economic Research Journal,2001,(4):24~31,95.
[10]汤皋.规范互联网金融发展与监管的思考[J].金融会计,2013,(12):55~59.
[11]宫晓林.互联网金融模式及对传统银行业的影响[J].南方金融,2013,(5):86~88.
[12]吴晓灵.互联网金融应分类监管区别对待[J].IT时代周刊,2013,(21):14.
[13]李国英.我国农村互联网金融发展存在的问题及对策[J].中州学刊,2015,(11):54~58.
[14]彭洪.互联网金融对农村经济发展带动作用的理论与实践可行性[J].时代金融(中旬),2016,(12):80.
[15]李文河.创新农业投融资体制,促进互联网农业金融的发展[J].时代金融(下旬),2015,(8):8.
[16]吴金龙.互联网金融对农村金融市场的影响分析与对策研究[J].浙江金融,2015,(12):20~23.
[17]唐晓旺.“互联网+”背景下农村金融机构转型与创新[J].中州学刊,2015,(12):50~54.
[18]安佳,王丽巍,田苏俊.互联网金融与传统金融农村信贷风控模式比较研究[J].新金融,2016,(9):54~58.
[19]张正平,江千舟.农村金融机构的互联网化:现状、问题、原因及对策[J].农村金融研究,2016,(7):65~70.
[20]董玉峰,刘婷婷,路振家.农村互联网金融的现实需求、困境与建议[J].新金融,2016,(11):32~36.
[21]帅青红.电子支付与结算[M].大连:东北财经大学出版社,2011.
[22]谢平,邹传伟.互联网金融模式研究[J].金融研究,2012,(12):11~22.
[23]马鑫.当前我国农村金融抑制问题分析[J].经济纵横,2010,(6):80~83.
[24]刘爱萍.如何促进互联网金融规范发展[N].光明日报,2013-07-29(007).
[25]何师元.“互联网+金融”新业态与实体经济发展的关联度[J].改革,2015,(7):72~81.He Shiyuan.The correlation between new format“Internet&Finance”and real economic development[J].Reform,2015,(7):72~81.
[26]何玲,朱家明.“互联网+金融”创新下的农村金融发展研究[J].牡丹江师范学院学报(哲学社会科学版),2016,(3):48~51.He Ling,Zhu Jiaming.Research on the development of rural finance under the internet financial innovation[J].Journal of Mudanjiang Normal University,2016,(3):48~51.
[27]高珊.涉农互联网金融P2P与农村信用体系建设探讨[J].征信,2016,34(5):39~42.
[28]马勇,陈雨露.金融发展中的政府与市场关系:“国家禀赋”与有效边界[J].财贸经济,2014,(3):49~58.Ma Yong,Chen Yulu.Government-market relationship in financial development:national endowments and efficient frontier[J].Finance&Trade Economics,2014,(3):49~58.