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普惠金融下,农村小额贷款对精准扶贫与农村经济发展所起到的作用日益凸显。近年来,新一轮农村金融改革稳步推进,农村金融服务体系逐步健全。以宜农贷为代表的P2P平台进入农村之后,充分发挥其公益扶贫的“造血”机制,依托MFI(MicroFinance Institutions,指当地的小额贷款机构)优势,为农村金融市场带来新活力。本文以宜农贷与东方惠民公司在宁夏西海固地区的合作为例,对互联网金融进入农村后农户信贷环境影响进行深入分析,并提出对其发展的展望。
Under the Pratt & Whitney Finance, rural microfinance plays an increasingly prominent role in helping the poor and rural economy develop. In recent years, a new round of rural financial reform has been steadily promoted and the rural financial service system has been gradually improved. The P2P platform, represented by Yixin Loans, has given full play to its “hematopoiesis” mechanism for poverty alleviation after it enters rural areas. It has brought new vitality to rural financial markets by relying on the advantages of MFI (Micro Finance Institutions) . Taking the cooperation between Yizong Loan and Dongfang Huimin Company in Xihaigu area of Ningxia as an example, this paper deeply analyzes the impact of internet finance on the credit environment of rural households, and puts forward the prospect of its development.