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我国的农村金融问题一直被党中共中央视为头等大事,农村的金融发展一直以来就是我国很大的一个问题所在,贷款额度小、资金分散、无抵押物品等一系列问题使农户贷款存在较大风险,成本较高。近年来P2P小额信贷模式逐渐在我国发展起来,从目前来看P2P小额信贷对农户贷款难的问题来说是一个新的尝试。本文以P2P信贷模式下应运而生宜农贷平台的运营方式、助农优势和发展情况以及存在部分问题进行分析,并提出了相应的建议。
The issue of rural finance in our country has always been regarded as the top priority by the Central Party Committee of the CPC Central Committee. The financial development in the rural areas has always been a big problem for our country. There are a series of problems such as small loan amount, scattered funds and unsecured loans, Risks, costs are higher. In recent years, P2P microfinance model has been gradually developed in our country. From the current point of view, P2P microfinance is a new attempt to solve the problem of peasant household loans. This paper analyzes the mode of operation, the advantages and development of agriculture-assisted farmers and some existing problems under the P2P credit model, and puts forward some corresponding suggestions.