The Impact Internet Financial For Small And Medium-Sized Rural Financial Institutions

Internet financial are thriving in high speed period in our country, its development form also with each passing day, from the bank on the net to the third party platform, from computer to pay to the mobile payment, the emergence of the Internet financial work in convenient People’s Daily life at the same time, also in the field of traditional financial development.Small and medium-sized rural financial institutions customer groups with the older, the low level of cultural knowledge, less knowledge of the Internet, low dependence on Internet electronic channels, the Internet financial also dare not rashly attempt "unique advantages", but this can only be temporary delay to long-term hinder financial impact and influence on the Internet. Financial disintermediation is now irreversible, and small and medium-sized rural financial institutions must follow the rule of the survival of the Internet era and the rules of the game, also must be in the process of allocation of factor of new industry division of labor, improve the optimization conveniently breakthrough self, grasp the initiative. For this reason, this article is trying to expound the current situation of the development of the Internet financial impact and for small and medium-sized rural financial institutions, on the basis of, through the analysis of the related theory and Internet financial development model combined with the present situation of development strategy of small and medium-sized rural financial institutions, with Small and medium-sized rural financial institution as an example, put forward the strategy of small and medium-sized rural financial institutions under the background of Internet transformation strategy.Paper is divided into six chapters. The first chapter is mainly to this article selected topic background, purpose and significance, research ideas and methods. The second chapter is mainly to our country the present development of the Internet financial, Internet financial development model and the advantages and disadvantages of the Internet financial. The third chapter is mainly about the present situation description. The fourth chapter is mainly about the theoretical basis and model architecture. The fifth part is the impact of the internet financial for small and medium-sized rural financial institutions. The sixth chapter is the conclusion and policy suggestions.