The Case Analysis Of The Rural Inclusive Finance Development Of CreditEase

In recent years,the nation has paid more attention to the development of rural inc lusive finance.The Opinion on Finance Serving for the Development of “Agriculture,Rural Areas and Rural Residents” issued in 2014 proposes to place the development o f rural inclusive finance in the prominent position.The Development Planning of Pro moting Inclusive Finance(2016-2020)issued in 2015 proposed to improve financial s ervice coverage,availability and satisfaction for farmers and impoverished people.No.1 Central Document in 2018 defines the emphasis of inclusive finance on rural areas.Though traditional financial institutions constantly enlarge the support strength for rur al inclusive finance,it still can't effectively satisfy financial demands in rural areas.H owever,with the development of internet technology,internet financial starts to rise a nd constantly enters into the rural market to promote the development of rural inclusiv e finance by depending on cloud computing and big data,so as to enhance availability of rural inclusive finance and increase the coverage.Based on it,this thesis selected the rural inclusive finance of CreditEase as an an alytical case to study and analyze experience,benefit and existing problems of Credit Ease in the development of rural inclusive finance.By proposing relevant policy sugg estion,this not only promotes the rural inclusive finance of CreditEase,but also provi des reference for other internet financial institutions to carry out rural inclusive financ e and promotes development of the entire rural inclusive finance.The author firstly proposed the research background and research significance a nd stated representative of CreditEase in the research background,showing that the ru ral inclusive finance products of CreditEase are relatively comprehensive.Moreover,t he development of its rural inclusive finance is highly praised by the Chinese Academ y of Social Sciences and Development Research Center of the State Council.Next,th e author elaborated literature review of relevant contents,innovation and shortcoming s,as well as research methods.In part two,the author conducted relevant theoretical a nalysis for rural inclusive finance,analyzed specific features and system of inclusive f inance and conducted theoretical analysis for the rural inclusive finance,internet finan ce and rural inclusive finance coupling.Part three included case introduction for the r ural inclusive finance of CreditEase,introduced online and offline credit assignment b orrowing mode of CreditEase and financial technology and risk management measure s of CreditEase,and focused on the rural inclusive finance products and services relea sed by CreditEase.Part four analyzed the case and elaborated from the benefits and experience in the rural inclusive finance practice of CreditEase.Part five analyzed probl ems in the rural inclusive finance of CreditEase,analyzed from macro,meso and Cred itEase enterprises,and proposed relevant policy suggestion in line with relevant probl ems from macro,industry and enterprises.The macro-level includes the sound social credit system and perfect financial supervision system.The mesolevel includes intensi fication of self-regulation supervision and improvement on internet finance acceptanc e and overdue collection and Strengthen rural financial education.The enterprise level gets involved in perfecting credit evaluation and audit system,reducing credit ri sks,strictly observing relevant supervision policy,reducing compliance risks,perfecti ng internal management,reducing internal management risks,intensifying informatio n disclosure and enhancing information transparency.