Research On The Internet Finance Development Of Jilin Jiaohe Rural Commercial Bank

China has a large rural population.Due to the lack of traditional financial services in rural areas,rural financial transactions are costly.As a consequence,farmers can barely get the financial services they need and deserve,and rural areas are in a weaker position in the financial sector.The rural finance industry is thus hindered,which is not conducive to China's mission of building a well-off society in an all-around way.With the formation of new forms of rural Internet finance and the improvement of the big data-based online credit system in rural areas,Internet finance is of great significance for improving the rural financial market environment and perfecting the rural financial system.As the Internet finance is set to be popularized in the vast rural areas,development of rural Internet finance possesses a promising future.Internet finance can effectively help farmers in getting loans.In Jilin Province,the volume of farmer credit loan has been shrinking,and mortgage loans have become the mainstream.Internet finance is based on future risk management,in which the borrower's awareness of credit can be fully used to do credit loan business,thus effectively solving the farmers' problem of insufficient collateral.Taking Jiaohe Rural Commercial Bank as the subject,the thesis firstly defines the concept of rural Internet finance,and systematically sorts out the value chain theory and the long tail theory involved in Internet finance research.Secondly,it expounds the status quo of Internet finance in China,and,taking the Jiaohe Rural Commercial Bank as an example,analyzes the problems that the rural Internet finance is currently facing,mainly including the lack of farmers' willingness to use Internet finance,the lack of new rural economic entities,and the lack of financial knowledge,etc.Thirdly,on the basis of entropy value analysis,the main influencing factors of the development of Internet finance of Jiaohe Rural Commercial Bank are clarified.The growth of high-income farmers and Internet users has the most prominent impact on the development of Internet finance of the bank.Finally,in accordance with the reality of rural Internet finance in Jiaohe City,the thesis proposes to train and introduce Internet finance talents,to keep promoting the brand of trading platforms,to improve the network payment system,and to accelerate the construction of rural information network infrastructure.Aiming to promote the development of rural Internet finance,the thesis provides references and enlightenments for a faster development of rural Internet finance in Jilin Province and maybe in the whole China.Hopefully,this study would contribute to enhancing the healthy development of China's rural Internet financial market.