Research On The Agricultural Bank Of Shandong Province Agricultural Bank's Operational Model Of Microfinance Under The Background Of Internet Finance

The "three rural issues" is highly concerned about the problems of our government,while agricultural microfinance is an effective way to achieve the goal of poverty reduction in China at the present stage,but also the Internet financial background to achieve an important means of Inclusive Finance,to eliminate financial exclusion phenomenon and solve the rural poverty problem has played a positive role.This paper starts from the social factors,affecting the development of Rural Micro Credit Development of Rural Micro Credit aspects relevant theoretical basis of combing the financial exclusion theory,asymmetric information theory,transaction cost theory,the research achievements of agricultural international microfinance business model.On this basis,the Agricultural Bank of Shandong Province as the research object,firstly analyzes the practice of microfinance operation mode of agriculture,respectively.The operating mode of new rural micro credit from the microfinance operation mode of traditional agricultural practices and problems and the Internet under the background of financial practice and advantage.Through comparative analysis,this paper explores how to enhance the development of Shandong Agricultural Bank's agriculture related micro credit business under the background of Internet finance.Combined with the reality of Shandong 'Province,Shandong agricultural bank innovation puts forward the operation mode of "agriculture related microfinance + Internet",and practices it.In the new model,this paper analyzed the research,carry out the Agricultural Bank of Shandong province this mode of thinking to the design principle,specific mode,and the development present situation and problems,and put forward some suggestions,in order to expand the coverage of rural areas in the new customer business model,reduce the cost of service financial services in rural areas,promote the sustainable development of local agricultural microfinance services,and ultimately enhance the effectiveness of the Agricultural Bank of Shandong province and the comprehensive development of local new rural construction.