互联网金融视角下农村普惠金融的发展契机及实现对策要点.docx

互联网金融视角下农村普惠金融的发展契机及实现对策 PAGE \* MERGEFORMAT38 本科毕业设计(论文) GRADUATION DESIGN(THESIS) 题 目：互联网金融视角下农村普惠金融的发展契机及实现对策学生姓名：指导教师：学 院：专业班级： 本科生院制 2016年6月  互联网金融视角下农村普惠金融的发展契机及实现对策 摘要 在我国经济发展步入“新常态”下，农村普惠金融的实现是加快农业产业升级转型的关键，更是全面实现小康社会的重要之举。互联网金融进入我国农村地区，它站在让农民这个弱势群体平等享有金融服务的高度，发挥自身方便快捷、低成本、透明等优势，能够有效弥补农村地区金融服务不足的缺点，惠及“三农”发展，帮助农村地区实现脱贫。本文提出了互联网金融为促进我国农村地区普惠金融的发展提供了良好的契机，同时也是释放农村市场无限潜力的突破口这一观点，分析了互联网金融有利于转变农村地区传统金融模式，拓宽金融服务覆盖面，解决农村融资和信用风险难题等影响，结合我国当前农村金融普惠面临的发展难题，并通过河南省卢氏县农村商业银行开展互联网金融的实际案例，从多个角度提出了利用互联网金融这个有力抓手，促进我国农村地区进行普惠金融建设的实现对策。 关键词：互联网金融 农村金融 普惠金融 Development opportunities and Countermeasures of rural Inclusive Finance in the perspective of Internet Finance ABSTRACT In Chinas economic development has entered a new normal, realize the rural Inclusive Finance is the key to accelerate the transformation and upgrading of the agricultural industry, it is important to realize the comprehensive well-off society. Internet banking into the rural areas of our country, it stands in the vulnerable groups so that farmers enjoy equal financial service level, to play their own convenience low cost, transparent, and other advantages, can effectively compensate for the lack of financial services in rural areas, to benefit the development of three agriculture, to help get rid of poverty in rural areas. This paper proposed provides a good opportunity for the development of the Internet Finance in Chinas rural areas to promote inclusive finance, this view is also a breakthrough release potential of rural market the analysis, Internet banking is the traditional financial model to change the rural areas, broaden the coverage of financial services, to solve rural financing and credit risk problem etc. Effects, combined with the development problem of Chinas current rural inclusive finance faces, and through the Lushi County, Henan Province Rural Commercial Bank to carry out the actual case of Internet banking and fro