Research On The Application Of Internet Finance In Rural Financial Development

In recent years, with the continuous development of rural finance, internet finance has played a key role in promoting rural economic development, and gradually formed a new way to give priority to the development of rural finance to support rural economic development. However, in the process of rural financial development, there are some problems such as weak basic conditions, information asymmetry, product structure is single. Compared with the traditional finance, with the development and popularization of e-commerce and modern communication technology, Internet finance has the advantage of improving information asymmetry and broadening the financing channel in rural financial development. In the continuous application, it formed a certain development model and characteristics,and it played an important role in promoting the development of rural finance.This paper analyzes the dilemma and reasons of the development of rural finance in China, and discusses the relevant advantages of Internet finance in the application of rural finance. It focuses on the mode and characteristics of Internet financial application. Application model includes four kinds, namely, integrated electricity business channel sinking,agricultural leading enterprises to build agriculture,financial integration ecosystem, large-scale P2P platform and agricultural supply chain docking, the traditional financial institutions to develop "Internet + rural finance." On the basis of the above analysis, this paper puts forward five problems in the application of Internet finance in rural financial development, namely, the problem of rural financial risk control, the bad debt rate, the risk of policy supervision, the limitation of Internet popularity, Need to train and so on, and finally from the introduction of laws and regulations to regulate the development of Internet finance as soon as possible, the establishment of a unified and orderly Internet financial security system to promote the Internet finance and traditional financial institutions to promote innovation, promote the Internet finance and agricultural industry cross- Based on the establishment of a sound Internet credit system and so put forward to enhance the application of Internet finance in rural financial development of the proposed recommendations to protect the financial role of promoting regional economic development better play.