我国农村普惠金融现状审视与环境培育——基于互联网金融生态系统理论  

Current Situation and Environment Cultivation of Rural Inclusive Finance In China——Based on internet financial ecosystem theory

作　　者：陆岷峰[1] 杨亮[2] LU Min-feng YANG Liang(The Head Office of Bank of Jiangsu, The Office of Board of Directors, Nanjing 210001, China Chengnan Branch CITIC Bank Nanjing, Nanjing 210006, China)

机构地区：[1]南京财经大学中国区域金融研究中心,江苏南京210001 [2]中信银行南京城南支行,江苏南京210006

出　　处：《天水行政学院学报（哲学社会科学版）》2017年第2期97-103,共7页Journal of Tianshui College of Administration

基　　金：江苏省互联网金融协会省级项目"十三五时期互联网金融的发展与战略"(2016SHJ37)

摘　　要：伴随着互联网技术的加速创新与应用,互联网巨头和金融机构纷纷涉足"三农"互联网金融,农村金融环境已出现颠覆性转变,进而为农村金融的快速成长创造了时代契机。而基于金融生态理论的思考,借助互联网金融打通农村普惠金融发展通道的实现,则需聚力于以下四点:结合"三农"特点健全法制环境,基于大数据技术优化征信环境,利用模式创新升级合作环境,强化风险监测改善监管环境。With the acceleration companies and financial institutions have of the innovation and application been involved in the ＂three rural＂ of internet technology, internet interuet financial.So rural financial environment has changed, thus creating a turning point for the rapid growth of rural finance.And based on the theory of financial ecology, using the internet financial to open up the development channel of rural inclusive finance, to cohesion in the following four points： combing with the three rural characteristics to improve the legal environment, based on large data technology to optimize credit environment, the use of model innovation and upgrade cooperation environment, strengthening risk monitoring to improve the regulatory environment.

关 键 词：普惠金融 生态系统 互联网金融 “十三五”规划 

分 类 号：F832.43[经济管理—金融学]