互联网金融背景下我国农村金融机构发展对策研究

发布时间：2018-05-11 14:47

本文选题：互联网金融 + 农村金融机构　；参考：《东北师范大学》2017年硕士论文

【摘要】：互联网金融是构建新型农村金融体系的重要组成部分,也是解决农村金融机构转型问题的关键。在互联网金融的作用下,农村地区金融供求的矛盾状况得到缓解,国家也在大力推进互联网金融在农村金融中的发展,促进其发挥积极作用。因此,研究互联网背景下农村金融机构发展的应对策略具有重大意义。本研究基于互联网金融对农村金融市场、农村金融供求关系、农村金融组织和农村金融制度的影响,分析互联网金融背景下农村金融机构面临的主要问题及成因,深入探索互联网金融背景下农村金融机构的有效应对策略,以期对推动我国农村金融机构的信息化发展具有实际借鉴意义。首先,本研究介绍了互联网金融发展的相关历程和国内外的相关研究文献。其次,分析了互联网金融的特征和所具备的大数据处理、参与者的平等性、低成本、高效率以及信息对称性的优势。第三,本研究以对农村金融环境、农村金融供求关系、农村金融机构和农村金融制度作为对象分析了互联网金融带来的影响。得出的结论是互联网金融激活了农村金融的竞争环境、平衡了农村金融的供求矛盾、触动了农村金融机构的利益,同时也刺激了农村金融机构的创新和发展、为农村金融制度提供了新的内容和创新可能性。第四,本研究探讨了我国农村互联网金融的发展现状,以及农村金融机构在发展互联网金融方面存在的问题和成因。当前我国农村互联网金融有所发展,但发展并不充分,农村金融机构因其缺乏认识、缺乏科技人才和产品创新、缺乏健全的征信体制而限制了互联网金融业务的发展。最后,本研究对农村金融机构应当如何发展互联网金融业务提出了对策和建议。
[Abstract]:Internet finance is an important part of constructing new rural financial system and the key to solve the problem of transformation of rural financial institutions. Under the action of Internet finance, the contradiction of financial supply and demand in rural areas has been alleviated, and the state is also vigorously promoting the development of Internet finance in rural finance and promoting it to play a positive role. Therefore, it is of great significance to study the development strategies of rural financial institutions under the background of Internet. Based on the influence of Internet finance on rural financial market, rural financial supply and demand, rural financial organizations and rural financial system, this study analyzes the main problems and causes of rural financial institutions under the background of Internet finance. In order to promote the information development of rural financial institutions in China, it is of practical significance to explore the effective strategies of rural financial institutions under the background of Internet finance. First of all, this study introduces the development of Internet finance and related research literature at home and abroad. Secondly, it analyzes the characteristics of Internet finance and the advantages of big data processing, equality of participants, low cost, high efficiency and information symmetry. Thirdly, this study analyzes the impact of Internet finance on rural financial environment, rural financial supply and demand, rural financial institutions and rural financial institutions. The conclusion is that Internet finance activates the competitive environment of rural finance, balances the contradiction between supply and demand of rural finance, touches the interests of rural financial institutions, and stimulates the innovation and development of rural financial institutions. For the rural financial system to provide new content and innovative possibilities. Fourth, this study discusses the development of rural Internet finance in China, as well as the problems and causes of rural financial institutions in the development of Internet finance. At present, the rural Internet finance in our country is developing, but the development is not sufficient. The rural financial institutions have limited the development of Internet financial business because of their lack of understanding, lack of scientific and technological talents and product innovation, and lack of sound credit system. Finally, this study puts forward some countermeasures and suggestions on how to develop Internet financial business in rural financial institutions.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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