Research On The Countermeasures To Promote The Development Of Rural Inclusive Finance Under The Background Of “internet +”

Inclusive finance is the further development of micro credit and micro finance,Small and micro businesses,farmers,urban low-income people and other vulnerable groups is the key object of service.While the rural finance is a weak link in Chinese financial system,the financial infrastructure is weak and the financing channels are single in the rural areas,So the rural areas is the focus of Inclusive Finance.But there are many drawbacks in the promotion of rural inclusive financial development,so the "Internet +" came into being,injecting new vitality for the development of rural financial inclusion.Under the "Internet+" background,traditional financial institutions,rural comprehensive business platform,the“three rural” agricultural services,P2 P platform have been the layout of the rural financial market,and provides a new approach for promoting the development of rural financial inclusion from two aspects of technology and market,but also brings a variety of new problems.Therefore,solving the existing issues in current rural areas under the background of inclusive financial development is the key to realize rural inclusive finance sustainable development.Basing on the background of "Internet +",first analyzes the background,significance and research status at domestic and abroad,and combined with the rural inclusive finance development theory and analysis of the current status of rural areas under the background of inclusive finance,mainly from the basic conditions of rural inclusive finance development,inclusive of the transition of rural traditional financial institutions,the popularity of internet financial institutions in rural areas.Then analyzes the disadvantages of rural inclusive finance development under the background of "Internet +",including rural Internet infrastructure is weak,the rural financial risks of the internet finance is diverse,the rural credit is in need of improvement,rural Internet financial business line development is not synchronized,government legislation and supervision are lack,farmers need internet knowledge and internet finance knowledge.Secondly,analyses a P2 P platform case,expounds the reasons of selecting this case,and establish the SWOT matrix,analyses the advantages,weaknesses,opportunities,threats of this case,draw the inspiration of promoting rural development.Finally aiming at the existing problems in the development of rural financial inclusion,in reference to the inspiration of the case,combines with the ruralinclusive finance development status,provides the counter measures and suggestions to promote the development of rural financial inclusion from the aspects of increasing internet penetration in rural areas,with the help of "Internet +" to promote the development of multi-level rural financial institutions,to build inclusive rural financial safety net,strengthens the government support of rural financial inclusion,strengthens financial literacy education in rural areas.