“互联网+产业链”:农村金融内生化的新路径  

Internet & Industrial Chain: Endogenous Financial Innovation in Rural China

作　　者：吴玉宇[1] 杨姗[1] 张蔚怡[2] 

机构地区：[1]湖南农业大学经济学院,长沙410128 [2]科罗拉多大学博尔德分校利兹商学院,美国科罗拉多州80309

出　　处：《西部论坛》2015年第5期12-19,共8页West Forum

基　　金：国家社会科学基金资助项目(15BGL044);湖南省教育厅创新平台开放基金资助项目(15K055)

摘　　要：内生金融不足是中国农村金融供需不匹配的重要原因。目前新兴的农村"互联网+产业链"金融模式,是一种各市场参与主体通过竞争博弈自下而上形成的、弱政府干预的、金融效率较高的、市场竞争充分的"内生性"农村金融模式。结合农村内生金融理论,对四个典型案例的分析表明,"互联网+产业链"金融模式通过核心企业主导创新、产业链金融支撑、移动互联网覆盖、大数据征信、整合各类金融机构等机制,有效推动了中国农村外生金融内生化发展,促进了农村金融的供需匹配和深化。但由于核心企业存在机会主义倾向以及发展战略不当等问题,加上我国金融管制力度较大,制约了农村"互联网+产业链"金融模式在全国范围的推广,需要从制度和政策层面加以规制和完善。Lack of endogenous financial innovation is an important reason for the mismatch between the supply and the demand of finance in rural China. At present, an endogenous innovation of financial model of ＂Internet ＆ industry chain＂ is emerging with competition game involving participants of all the markets from the bottom up, weak government intervention, high financial efficiency and complete competition. This paper selectes four typical cases, combining with the theory of rural endogenous finance, and analyzes financial model of ＂Internet ＆ industry chain＂, finding the model by means such as the core enterprise leading innovation, big data inquiry and integrating all kinds of financial institutions, effectively promotes the endogenous development of Chinese rural exogenous finance and enhances the matchup and deepening between the supply and demand sides of finance in rural China. However, some reasons such as serious opportunism attitude, improper development strategies of core enterprise, strong financial control in China, restrict the ＂Internet ＆ industry chain＂ mode of the endogenous rural financial to be promoted on a national scale, and it requires regulation and improvement on institution and policy level.

关 键 词：互联网+产业链 互联网金融 产业链金融 内生金融 外生金融 农村金融 外生金融内生化 金融深化 

分 类 号：F832.35[经济管理—金融学] F49