大数据视角下农村信用体系创新研究  

Innovation Research of Rural Credit System from the Perspective of Big Data

作　　者：王程龙[1] 王飞[2] 

机构地区：[1]中国社会科学院研究生院,北京102488 [2]中国科学院计算技术研究所,北京100080

出　　处：《农业网络信息》2016年第10期5-10,共6页Agriculture Network Information

摘　　要：近年来随着互联网在农村地区的普及,以P2P网贷融资为典型的新型金融模式逐步推广到农村并得到长足发展。本文在充分论证新型金融模式在农村发展过程中遇到的信用评估环境缺失问题的基础之上,研究大数据技术在农村信用体系建设中需要的条件与潜在的优势,设计了基于大数据的新型农村信用体系,并阐述了该体系对农村经营主体以及新型互联网金融平台的影响和作用。In recent years with the popularity of the Internet in rural areas, the new financial models including P2P network loan financing gradually extend to rural areas and has developed by leaps. The paper mainly discusses the lack of credit assessment environment in the development of new financial models in rural areas, and studies the conditions and potential advantages of Big Data technology in the construction of rural credit system. Then, the paper designs a new rural credit system based on Big Data, and explains the influenceand effect of the system on rural business entities and new financial platforms.

关 键 词：大数据 农村信用体系 新型金融模式 创新研究 

分 类 号：S126[农业科学—农业基础科学]