“互联网+”时代我国农村金融发展的机遇与挑战.docVIP

“互联网+”时代我国农村金融发展的机遇与挑战 Opportunities and challenges of rural finance in the Internet + Era 摘要 党的“十六大”以来,中央把城乡一体化建设作为加速发展农村经济的一项战略性目标与任务。这一战略为农村金融赋予了艰巨的使命。但就现状来看,农村互联网普及率低，网络使用量小，而传统的“农村金融”不仅很难满足相应要求,由于这些问题的存在,制约了农村经济的发展。其次,“互联网+”时代我国农村金融发展中存在的问题有着主客观上的原因。主观上,对我国农村金融在农村经济发展中的重要性重视程度不够。客观上,由于农村金融的主要服务对象是“三农”,这些对象在国民经济系统中尚处于一种弱势状态,为农村金融的发展起到了一定的限制作用。本文从现阶段农村金融的现状出发,深入地探讨了“互联网+”时代我国农村金融发展中存在的问题及成因,以及如何解决这些问题的对策与建议。 关键字：“互联网+”时代；农村金融； 机遇；挑战 Opportunities and challenges of rural finance in the Internet + Era Abstract In Since the partys National Congress, the central accelerate the integration of urban and rural development of the rural economy as a strategic goal and mission. This strategy for rural finance gives arduous mission. But the current situation, low Internet penetration in rural areas, small network usage, and the traditional rural finance is not only difficult to meet the requirements, the result of these problems, restricted the development of rural economy. Secondly, the Internet + era of rural financial development of the existing problems with subjective and objective reasons on. Subjectively, the importance of rural finance in rural economic development is not enough emphasis on. Objectively, since the main target is the rural financial three rural, these objects in the national economy system is still in a vulnerable state, the development of rural finance played a limited role. In this paper, the present situation of rural finance stage starting depth exploration of the Internet + problems and causes of the development of China Rural Financial Times that exist, as well as countermeasures and suggestions on how to solve these problems. Key words：Internet plus era; rural finance; opportunity; challenge 一、绪论 （一）研究背景和意义 1.研究背景 2015年3月5日十二届全国人大三次会议上，李克强总理在政府工作报告中首次提出“互联网+”行动计划[1]。报告提出:“制定‘互联网+’行动计划，推动移动互联网、云计算、大数据、物联网等与现代制造业结合，促进电子商务、工业互联网和农村金融健康发展，引导互联网企业拓展国际市场[2]。” 2015年中央一号文件《若干意见》:“城乡资源要素流动加速，城乡互动联系增强，如何在城镇化深入发展背景下加快新农村建设步伐、实现城乡共同繁荣，是必须解决好的一个重大问题。在优化农业结