摘要
互联网背景下,农村金融发展迎来新契机。该研究综合分析相关文献,深入探讨农村金融产品与服务创新路径及其影响。信贷产品创新体现在贷款用途、还款方式、信用增级与区块链应用等方面;农业保险产品借助大数据实现精准定价,推出多种新型保险。服务创新涵盖线上线下融合及供应链金融服务模式。这些创新提升金融服务便利性与效率,优化资源配置,推动农村经济发展,但也面临政策、基础设施及居民素养等挑战。政府应加强扶持监管、推进基础设施建设并提升居民金融素养,以促进农村金融持续创新与健康发展。
Against the backdrop of the Internet,rural financial development has ushered in new opportunities.This study comprehensively analyzes relevant literature and deeply explores the innovation paths and impacts of rural financial products and services.Innovation in credit products is reflected in loan use,repayment methods,credit enhancement and blockchain applications;agricultural insurance products use big data to achieve accurate pricing and launch a variety of new insurances.Service innovation covers online and offline integration and supply chain finance service models.These innovations have improved the convenience and efficiency of financial services,optimized resource allocation,and promoted rural economic development,but they also face challenges such as policy,infrastructure,and resident literacy.The government should strengthen support and supervision,promote infrastructure construction and improve residents'financial literacy to promote sustained innovation and healthy development of rural finance.
出处
《智慧农业导刊》
2025年第23期104-109,共6页
JOURNAL OF SMART AGRICULTURE
关键词
互联网
大数据
农村金融
产品与服务
创新
Internet
big data
rural finance
products and services
innovation
