Research On Rural Financial Innovation Based On Asymmetric Information Theory

The issue of agriculture,always relates to national food security and social stability,is the primary problem China of social and economic development,but also realize the two Centennial goals,to promote sound and rapid economic development China must conquer all.The central document for 13 consecutive years to focus on agriculture and rural areas,enough to show the importance of the CPC Central Committee to the three rural issues,but also to illustrate the importance of the three rural issues in the process of building a moderately prosperous society.However,due to the farmers' income is not high,the lack of collateral,the rural finance project with high cost,small scale farmers,so that financial institutions enthusiasm of developing rural finance projects is not high,as a modern lubricant of the economy's financial industry,the development of the serious lag in the rural areas,the rural financial system can not meet the increasingly diverse needs rural finance.However,as the gap between urban and rural areas has expanded year by year,the suppression of rural finance has been emerging.The farmers' income is not high,the lack of collateral,the rural finance project with high cost,small scale farmers,so that financial institutions enthusiasm of developing rural finance projects is not high,which as a modern economy lubricant of the financial industry,the development of serious lag in the rural areas,the rural financial system can not meet the increasingly diverse needs rural finance.To test the water amount of products and personalized contrast to the financial innovation system of the city continue to emerge,the emergence of new city financial system features good stability,high asset quality,supervision of financial tool innovation,continuous improvement.Compared with the information blocking rural areas,the speed of economic development is opening up year by year.Therefore,in the era of big data,as the means of communication changes,the means and modes of information transmission have undergone fundamental changes.With the introduction of the concept of modern agriculture on the Internet in the Central Document No.1 in 2016,it provides a new way of thinking for the development of rural finance.This paper mainly explores the factors related to the lag of rural financial innovation,mainly focus on the information asymmetry of the lag reason analysis,data comparison of new age city financial combined with effective means of innovation of new media,in order to accelerate the popularization of Internet Finance in rural areas to promote the related suggestions and solutions,to use the new media means to promote rural electronic business development as the main means to solve the problems,and then explore the inhibition of rural financial innovation development,find out to adapt to the current situation of innovation,increase rural financial innovation,to solve the problem of restraining the rural finance innovation,and promote the development of rural finance.The introduction of modern communication to the study of rural financial innovation is undoubtedly a new source of finance research and enriches and develops modern finance from a new angle.The financial difficulties from the angle of dig the problem of asymmetric information in rural areas caused by the new media to carry out theoretical innovation and practice innovation effectively,provide academic and research ideas for solving the plight of the development of rural financial supply and demand.