Inquiry path of farmer's loan capacity improvement path
April 19, 2023 10:07 Source: "China Social Sciences" April 19, 2023 Total 2634 Author: Zhu Xinrong

Agriculture、Rural、The peasant problem is not only related to the fundamental development of my country's social development,It is more related to the realization of the realization of a well -off society and the realization of the goals of a harmonious society。As of the end of 2022,my country still has 59.79 million people live in rural areas,The per capita disposable income of the rural population is only 18931 yuan。Rural Xingzhi State Xing、Farmer Rich is the country and strong,How to effectively promote farmers' increasing yield and income and increase income and increase income and income, which has been included in the "Central No. 1" document and attracted the attention of the Party Central Committee。

Finance as the core of the modern economy and the hub of social resource allocation,The lack of financial resources will become an important constraint for farmers' increase in yield and income,Seriously Bet365 lotto review restrict the development of rural economy and the increase in farmers' income。But,Most farmers' credit has a small loan scale、High level of information asymmetry、Insufficient inherent disadvantages of collateral,The inclusive financial system in the traditional model is still difficult to effectively improve the acquisition of farmers' loan funds。With、Zhi、Cloud、Move、The rapid development and popularization of new generation of artificial intelligence technology such as things,How to make full use of digital technology to optimize inclusive financial product design、Broaden farmers 'financing channels to enhance farmers' loans.。"Research on the Construction of Trust Mechanisms of Farmers Network Borrowing in Big Data" is in this era of this era,In order to make full use of big data technology to help solve the problem of "difficulty loan" that has long -term trouble in my country,It has a certain practical guidance significance for how to effectively promote the rural development of my country's rural areas and the continuous increase of farmers' income。

The book is to Jiangxi bet365 live casino games (central)、Zhejiang (East) and the three provinces (regions) of Guangxi (region) of 1,696 farmers' online lending general situation、Farmers Network Loan Channel、The scale and frequency of farmers' network lending、Farmers online lending use、Farmers network lending period、On -site surveys such as credit reporting of farmers' online lending,Target with the trust mechanism of farmers' network lending as a target,Using social capital theory、Social Network Theory、Information asymmetric theory and inclusive financial theory,On the basis of in -depth analysis of the reasons for the crisis of farmers' network lending trust in the vast number of rural areas of my country's rural areas,Based on a dynamic evolution game model,In -depth exploration of the mechanism and conduction mechanism of social capital affecting farmers' network lending trust mechanisms,Based on the above conclusion, a practical guarantee measures for farmers' network lending trust mechanisms in the context of big data。Research on this book found out,The incomplete credit reporting system of farmers、Unstable Bet365 lotto review ability of farmers' repayment、Low the cost of breach of contract for farmers and loan risks of online lending platforms、Internal control constraints are strict、Loan type single、Credit -level evaluation is not tightly, etc.,It is an important reason for the crisis of trust in the network borrowing of farmers in my country,Credit history of farmers、Performance ability、Performance ability、identity characteristics and connections,It will have an important impact on farmers' online lending。"Research on the Construction of Trust Mechanisms of Farmers Network Borrowing in Big Data Background" is not only based on big data to build a trust mechanism for farmers' network lending,Provides scientific basis for cracking farmer's network lending; and try designing the farmers' network lending credit rating indicators in the context of big data,In order to better promote the development of rural digital finance to solve the problem of farmers' borrowing difficulties, it provides practical solutions and decision -making references。

The issue of "agriculture, rural areas, and rural" not only has always been the top priority of my country's government government bet365 live casino games affairs,It is also one of the key topics in academic research,How to effectively solve the "difficulty of borrowing of farmers" is a real problem,It is also a systemic problem in the theoretical and practical world of long -term troublesome and practical circles。The solution of the problem of "difficulty in borrowing of farmers" not only attracted great attention from governments at all levels、Getting strong policy support,At the same time, it is necessary to continuously improve the rural financial system and mechanism and make full use of big data tools to enrich rural financial products,Effectively enhance the ability of farmers under the interest of inclusive finance。Perspective such as online transformation of social capital and the supervision and improvement of agricultural network lending platforms,This book proposes to strengthen the construction of Internet infrastructure in rural areas、Improve the credit system of rural areas、Strengthen the supervision of information disclosure of online lending platform、Guide the online lending platform for its own risk bet365 Play online games control,and the promotion and popularity of increasing the publicity and popularization of online lending in rural areas, such as measures and ideas on cracking the problem of "difficulty in borrowing farmers"。Fu Zi of this book not only fully shows the author's deep thinking about how to solve the problem of "difficulty loan",At the same time, it has also enriched and expanded the new research perspective of "difficulty loan" problem,helps to further cultivate my country's institutional advantage、New path of Chinese road exploration that practiced the rich country of farming and wealth。

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