农村电商和农村金融研究外文文献翻译2017.doc

文献出处：Dalvit L. The research of rural e-commerce and rural financial[J]. Strengthening the Role of ICT in Development, 2017, 1(7):12-34. 原文 The research of rural e-commerce and rural financial Dalvit L Abstract The present rural financial electricity is at the early stage of business development, and platform profit ability is insufficient, economic benefits are not obvious, banking institutions is difficult to find a suitable profit pattern at the moment. Upfront input costs, operating site banks lack of scientific and technological personnel, maintenance platform development technology lag behind. Because of the high cost of science and technology at present, a lot of Banks with the method of electrical business cooperation with the third party joint operations. However, the use of third-party electricity sale service belongs to the public welfare nature, does not produce the corresponding profits. Rural electricity field will become the giants strategic position. Therefore, how to bring into play the function of financial resource allocation, looking for the right operating profit model, is the key to cut bank into the rural market. Keywords: Internet; rural finance; e-commerce; network financial 1 Introduction Study of rural financial business Internet banking financial institutions is not much. As a result, this paper first analyzes the banking institutions are facing bottlenecks, innovation in a rural financial electric business profit model, the use of bank customers sticky, platform localization, and the advantages of high degree of credit, through the platform the trading behavior of users, the banks own data reuse data mining farmer credit demand, provide cash flow service, so as to realize double ring of information flow and cash flow. On this basis, this paper constructed a new closed loop profit model, computing the model as a whole in the revenues, costs and total revenue model needed to consider various factors, and use the simulation tools tha