Research On The Current Situation And Influencing Factors Of Internet Financial Tools Used By Rural Residents In Chengdu Under The Strategy Of Moving East

With the continuous advancement of Chengdu’s eastward expansion strategy,the rural areas under the eastward expansion strategy have transformed into modern rural areas at a rapid speed with the support of the Chengdu municipal government,and a large number of rural residents have changed their living and working styles,and began to pursue higher quality of life and higher income levels,which has led to an increase in consumption and investment and financing demand,followed by an increasing demand for financial instruments.At the same time,the Chengdu Municipal Government also called for vigorously developing Internet finance in its work report,using new technologies,continuously expanding the rural financial service product system,application scenarios and covering the population,and making up for the low coverage of financial institutions in rural areas.Internet financial tools are a means to improve the economic income and quality of life of local rural residents at low cost,which has strong practical and research significance,so this paper mainly studies the use and influencing factors of Internet financial tools in rural areas under the current eastward expansion strategy,so as to explore how to develop Internet financial tools in the eastward strategic area.In this study,a field survey was conducted in many towns and villages within greater Chengdu,and more than 400 questionnaires were distributed.Based on the sample data,the use status of Internet financial tools in rural areas under the current eastward strategy was analyzed.It was found that financial tools and payment tools attached to wechat are widely used in rural areas,but some rural residents have never used them at all.Other types of Internet financial instruments,such as Nongdaitong,Huabei,ious and some Internet insurance,have a small number of rural residents with experience in using them,which brings certain convenience to their production and life.It can be considered that Internet financial instruments are gradually penetrating into rural areas.In this paper,Logit model and OLS regression model are further used to analyze the data of rural areas in the eastbound strategic region,and it is found that several factors,such as education,age,online shopping intention,disposable income,income source and Internet use time,have a significant impact on the use of different Internet financial instruments.Finally,in order to further study the heterogeneity within the eastbound strategic region,the sample of this paper also contains part of other rural data within the scope of Chengdu.After combining the data for empirical study,it is found that the rapid development of eastbound strategy leads to increased income and increased investment and financing demand.The use of Internet financial tools by rural residents in the region has a more significant impact on income,investment and financing than that of rural residents in other regions.Based on a comprehensive analysis of empirical data,policy status and reality,this paper believes that in order to promote the better use of Internet financial tools by local rural residents,the relevant policy system and financial support should be improved first,so that local governments can have a basis for promoting Internet finance,and at the same time,more Internet financial products suitable for rural areas should be developed with relevant enterprises.It has continued to benefit more rural residents.Second,we should constantly improve the education and publicity of financial knowledge and vigorously promote Internet financial tools,instead of just promoting financial fraud prevention,so that a more complete Internet financial system can penetrate into the consciousness of rural residents.Third,we should vigorously develop education,which is the best development promoter.On the one hand,we can strengthen financial knowledge,on the other hand,improve the level of accepting new things,and at the same time fully mobilize the power of young people,so that young people can help middle-aged and elderly people learn and use relevant Internet financial tools,and build help sites.Fourth,improve the logistics system within the region and improve the online shopping experience in rural areas.Fifth,the construction of regional rural residents data information base.The construction of the rural credit investigation platform is mainly based on big data technology.The local government and the central government jointly promote the construction of rural credit investigation data and establish a credit evaluation system for rural residents.