A Study On The Transformation Of Farmers' Borrowing Mode In The Internet Era

With the development of rural economic needs,farmers need more and more funds,but the farmers own funds can not meet this funding needs,and most farmers can not borrow from the relevant financial institutions to borrow the amount of funds,Which led to the majority of farmers borrowing money supply and demand imbalance.To solve this imbalance,one is trying to improve the farmers' own funds;the second is to improve the financial lending institutions and farmers between the lending model.This paper mainly discusses the second aspect,that is,the transformation of farmer loan model.In the process of transformation,we must not only start from the financial lending institutions,but also from the farmers themselves and the characteristics of borrowing to start the two at the same time to find out the convergence of each other in order to effectively solve the problem of farmers borrowing difficult.At the same time,the Internet gradually into the people's vision,and people's lives more and more closely.We have to solve the problem of farmers borrowing must also follow the trend of the times,combined with advanced Internet technology,collide with a different spark.Since last year,"Internet + finance" more and more hot,the traditional combination of financial and Internet,the formation of the financial Internet,the Internet and financial integration,the formation of Internet finance.Whether it is financial Internet or Internet finance,have a more or less impact on people's lending behavior.This paper is in the background of the Internet era,the study of farmer loan model transformation,in order to solve the problem of farmers borrowing difficult.Based on the above research background,this paper firstly analyzes the present situation and existing problems of the borrowing model of farmers in China from the aspects of traditional financial lending institutions,Internet financial lending institutions,farmers' own situation and lending characteristics.Then,in the analysis of traditional financial lending institutions and Internet finance This paper analyzes the motivations,objectives and channels of the current farmer's borrowing model transformation,and then prepares the overall structure of the peasant borrowing model in the Internet era,including the traditional financial lending institutions,the Internet financial lending institutions,other financial institutions(Insurance,guarantee company,etc.),the new model to the traditional financial lending institutions to the Internet financial lending institutions to supplement to other financial lending institutions as a supplement;Finally,China's Internet era of farmers borrowing model transformation of the relevant countermeasures Suggest.This paper explores the transformation of the peasant borrowing model in the Internet era.It is not the transformation of the traditional financial lending model into a new type of Internet lending model,but the combination of the two,complement each other and achieve win-win situation.There are many shortcomings in this paper.Before consulting the structure of the article,I have consulted a lot of literature,although there are many studies on farmer's borrowing behavior and farmer's borrowing and welfare,but there is no research on farmer's borrowing model,let alone the peasant borrowing model under the Internet age Research,which brings great challenges to the idea of the article.In addition,with the limitations of their own knowledge,resulting in a lot of defects in this article.