Digital empowering the construction of a rural credit system
April 19, 2023 10:06 Source: "China Social Sciences" April 19, 2023 Total 2634 Author: Li Quan

Digital Finance as one of the core elements of helping rural revitalization strategy,Play an important basic role in promoting the modernization of agricultural and rural areas。Where,Agricultural Digital Financial Model represented by the Internet borrowing is based on informationization、Timely、Convenience、Full time and space and high efficiency characteristics develop rapidly,It has become a necessary and conventional financing channel for rural economic development,greatly expand the breadth and depth of rural financial services。

Online lending is financial innovation under digital transformation,It is also an important promoter for the improvement of digital financial penetration。Information transparent under effective supervision、Reasonable and healthy online lending enters the rural financial market,When meeting farmers' Bet365 lotto review demand for dyeing of capital、While increasing investors' income,It can also promote agricultural development and rural social progress,Show a win -win pattern。But,High -risk brought by the online lending model of "de -guaranteed"、Lack of credit reporting、Regulatory problems and other problems,It is always the pain points and blockage points of this industry。The construction of the network lending trust mechanism has become a perfect network lending operation mode、Promoting the development of digital finance in rural areas、Promote the construction of agricultural and rural areas、Key links to promote the implementation of rural revitalization strategies,Its importance is increasingly prominent。Big data combined with more new technologies as emerging information processing innovation technology,Get widely used in the field of credit reporting,At the same time, it is also to solve the problem of online lending "thin credit" records、Cracking the stubbornness of the rural digital financial field brought new opportunities。

Bet365 app download The complexity and particularity of the reform of China's rural financial credit system reform have caused continuous attention from many experts and scholars,"Research on the Construction of Trust Mechanisms of Farmers Network Borrowing in Big Data" in the book of the book and research innovation in the book of the Book of Trust Mechanisms of Farmers 'Network Lending Loan "is mainly manifested in four aspects: First, the introduction of systematic viewpoints and big data related theories for the construction of farmers' network lending trust mechanisms Research,It provides a new perspective for solving the integration of information technology and financial supervision,Showing breakthrough progress in the field of digital financial credit research。Second, an analysis of the game of asymmetric information in the construction process of farmers' network lending trust mechanism、Based on the influencing factors and mechanisms of social capital on online social capital,Create a model model for the trust mechanism of farmers' network lending,It provides a scientific basis for Bet365 app download cracking farmers' network lending。Third, the credit rating of farmers' online lending was built、Credit rating model,Evaluate the effect of the farmer's network borrowing trust mechanism through quantitative credit indicators,provides reference for financial institutions and government agencies to carry out online lending credit rating。Fourth to ensure the implementation of the trust mechanism of farmers' network lending trust in the context of big data,From infrastructure、Credit System、Information Supervision、Risk control、Publicity and popularization and many aspects have proposed effective countermeasures and suggestions。Take a comprehensive,The book strives to present a complete and research value knowledge system,Especially the construction of farmers' network lending trust mechanism and the construction of farmers network lending credit rating model,Provides the theoretical basis and practical path for further improvement of farmers' network lending credit system。

The construction of a rural digital financial credit system is an important part of comprehensively promoting rural revitalization,It is worth continuous Bet365 lotto review in -depth research。This book is different from ordinary rural financial research.、Agricultural enterprises and farmers' financing dilemma and other systems and mechanisms,In -depth focus on the "farmers" online lending entity,Extended the existing online lending research from cities to rural、from macro to micro、from the region to the individual,shows the author's keen and unique academic vision and creative thinking of Hanzhang Chapters; works rely on social capital、Social Network、Dynamic games and inclusive finance and other theoretical foundations,Blended field survey、Online survey、Model research and blur comprehensive evaluation and many other research methods,In -depth analysis of China's rural digital finance, especially the trust mechanism of farmers' network lending,,shows the author's profound theoretical skills and rigorous academic attitude; the project team collects survey data and interview cases in a combination of online and offline,Collect big data from farmers from various network platforms,The survey area covers China East、Middle、Bet365 app download Three regions in the West,Data broad、accuracy、The representativeness fully shows。

In short,Innovative work of studying rural digital finance,The book's point of view is novel、Unique perspective,The theory is pure、The method is practical,Data Film、Removal Hongfu,Not only the research field of digital financial reform in China,And contributed a good way to help rural revitalization and development,It is worth studying for financial researchers and policy practitioners。

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