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本文从宏观上,寻找农村互联网金融顶层设计的关键点,提出构建扁平格局、塑造信息网络、丰富服务类型的总体构想。在微观上,通过论述需求资金端、信息中介端、服务资产端的模式,创建强力度精准需求甄别、低风险精准信用投放、高渗透精准风险控制、区域性精准电商运作、数据化便捷物流运输、标准化集约农业转型、高效率规模土地流转等大数据的应用场景,为践行普惠、信息、以人为本的农村互联网金融提供可行的方案。最后,关注农村互联网金融的大数据进程,明确互联网+农村金融的时代前进方向。
This article looks at the key points of the top-level design of internet finance in rural areas from the macroscopic point of view, and puts forward the overall conception of building a flat pattern, shaping information networks and enriching service types. On the microscopic level, we create a precise and accurate demand screening, a low-risk and accurate credit distribution, a high-precision and precise risk control, a precise regional e-commerce operation, and a data-based convenient logistics and transportation system by discussing the modes of demand funds, information intermediaries and service assets. , Standardization of intensive agricultural transformation, high-efficiency large-scale land transfer and other big data scenarios, to provide practical solutions for practicing the Pratt & Whitney, information and people-oriented rural Internet finance. Finally, pay attention to the big data process of Internet finance in rural areas and define the direction of the Internet + era of rural finance.