Agriculture、bet365 bonus code louisiana、Peasant issues are not only related to the fundamentals of our country’s social development,It is more related to the realization of the goal of building a moderately prosperous society in an all-round way and building a harmonious society。As of the end of 2022,my country still has 509.79 million people living in bet365 bonus code louisiana areas,The per capita disposable income of the bet365 bonus code louisiana population is only 18,931 yuan。The prosperity of the countryside will lead to the prosperity of the country、If farmers are prosperous, the country will be strong,The issue of how to effectively promote farmers’ production and income has been included in the “No. 1 Central Document” for many times and has attracted the attention of the Party Central Committee。
Finance is the core of modern economy and the hub of social resource allocation,The lack of financial resources will become an important constraint for farmers to increase production and income,Seriously restricting the development of rural economy and the improvement of farmers’ income。However,Most rural households have small loan sizes、High degree of information asymmetry、Inherent disadvantages such as insufficient collateral,As a result, the inclusive financial system under the traditional model is still difficult to effectively improve the availability of loan funds for farmers。With the big、Wisdom、Cloud、Move、The rapid development and popularization of new generation artificial intelligence technology such as things,How to make full use of digital technology to optimize the design of inclusive financial products、Broadening farmers’ financing channels to improve farmers’ availability of loans has become an important research topic in this field。The book "Research on the Construction of Trust Mechanism for bet365 bonus code louisiana the Background of Big Data" is written under this background,Proposed many innovative ideas on how to make full use of big data technology to help solve the problem of "farmers' difficulty in borrowing" that has long plagued our country,It has certain practical guiding significance on how to effectively promote my country’s rural development and continue to increase farmers’ income。
This book is about Jiangxi (Central), my country、Overall online lending situation of 1,696 rural households in the three provinces (regions) of Zhejiang (eastern) and Guangxi (western)、Online lending channels for farmers、Scale and frequency of farmers’ online loans、Purpose of online lending for farmers、Farmer online loan period、Based on field surveys on the credit impact of farmers’ online lending,Aiming at building a trust mechanism for farmers’ online lending,Using social capital theory、Social Network Theory、Information asymmetry theory and inclusive finance theory,Based on an in-depth analysis of the causes of trust crisis in online lending faced by rural households in my country’s vast rural areas,Based on dynamic evolutionary game model,In-depth exploration of the mechanism and transmission mechanism of social capital affecting the trust mechanism of farmers’ online lending,Based on the above conclusion, practical safeguard measures for farmers’ online lending trust mechanism under the background of big data are proposed。Research findings for this book,The credit reporting system for farmers is imperfect、Farmers’ repayment ability is unstable、Low default cost of farmers’ loans and loan risks on online lending platforms、Strict internal control system、Single loan type、The credit rating is not rigorous, etc.,Is an important reason for the trust crisis in online lending among farmers in my country,Farmer’s credit history、Behavioral Preferences、Performance ability、Identity traits and connections,It will have an important impact on farmers’ online lending。The book "Research on the Construction of Trust Mechanism for bet365 bonus code louisiana the Background of Big Data" not only builds a trust mechanism for farmers' online lending based on big data,Provide scientific basis to solve the difficulty of farmers’ online borrowing;And try to design a credit rating indicator for farmers’ online lending under the background of big data,Provide practical solutions and decision-making references on how to better promote the development of rural digital finance to solve the problem of farmers’ borrowing difficulties。
"Three rural issues" have not only always been the top priority of our government's government affairs,It is also one of the key topics in academic research,How to effectively solve the "difficulty in borrowing by farmers" is a real problem,It is also a systemic problem that has long plagued the theoretical and practical circles。The solution to the problem of "difficulty in borrowing by farmers" has not only attracted the attention of governments at all levels、Received strong policy support,At the same time, it is even more necessary to continuously improve the rural financial system and mechanisms and make full use of big data tools to enrich rural financial products,Effectively improve farmers’ borrowing capabilities under inclusive finance。Based on the perspective of online transformation of social capital and supervision and improvement of agricultural-related bet365 bonus code louisiana platforms,The book proposes strengthening the construction of Internet infrastructure in rural areas、Improving the credit system in rural areas、Strengthen supervision of information disclosure on bet365 bonus code louisiana platforms、Guide bet365 bonus code louisiana platforms to conduct their own risk management and control,A series of measures and ideas aimed at solving the problem of "difficulties in borrowing for farmers" such as increasing the publicity and popularization of bet365 bonus code louisiana in rural areas。The publication of this book not only fully demonstrates the author's profound thinking on how to solve the problem of "farmers' difficulty in borrowing",At the same time, it also enriches and expands new research perspectives on the issue of "farmers' difficulty in borrowing",It helps to further develop our country’s institutional advantages、Exploring new paths to implement China’s path of enriching agriculture and strengthening the country。
(The author is the director of Hubei Provincial Collaborative Innovation Center for Industrial Upgrading and Regional bet365 bonus code louisiana、Professor of Zhongnan University of Economics and Law)
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