Internet finance opens up the "Red Sea" for rural economic development.
Jiang Yu, Organization Department of Jianshui County Committee of Yunnan Province: The scientific and technological revolution of the Internet has brought great changes to the production and life of human society. However, in the vast rural areas, the application of Internet in agricultural production, technical exchange and product promotion is relatively small, which has become a restrictive factor for rural economic and social development. As a big agricultural country, China has great potential for rural development. The forward-looking "internet plus" strategy put forward by the Central Committee has released a good signal for rural economic and social development. Under the principle of "serving the countryside and facing the countryside", the universality of the Internet and the particularity of rural development will be fully considered, so as to deeply integrate the Internet with the development of agricultural industry and open up the "Red Sea" for rural development. In the future, if the benefits of the Internet are brought to the countryside, the advantages of the Internet will benefit farmers, and farmers will really enjoy the opportunities and projects that can be seen, touched and grasped, the development of rural economy in China will be immeasurable.
Internet finance optimizes the allocation of rural resources
Liu, Organization Department of Xinzhou District Committee: For a long time, natural resources, financial resources and labor resources have mostly flowed from rural areas to cities in one direction, and rural development factors have been siphoned to cities and towns, widening the gap between urban and rural development. The development of Internet including Internet finance in rural areas will gradually change this situation. For example, e-commerce has greatly expanded the space for innovation and entrepreneurship in rural areas and is attracting a large number of talents to return to rural areas; Internet finance will effectively attract funds from towns to rural areas; Rural tourism, which is marketed through the Internet, has shifted the consumption of a large number of urban residents from cities to rural areas.
Xu Lanlan: Internet finance has many advantages, such as low threshold and high efficiency. Its flexible, diverse, wide-ranging and long-span service model can run through all aspects of agricultural production and capital flow: from early start-up to mid-term planting and planting, and then to late harvest and sales; From human employment to mechanical leasing to logistics and transportation; From investment to capital turnover to profit. These advantages of internet finance can improve the efficiency of financial allocation, increase the fit between finance and rural reality, and effectively alleviate the contradiction between supply and demand of rural finance; At the same time, online payment, mobile payment, credit payment and other payment methods can solve the dilemma of the lack of rural entity financial outlets, solve the problem of farmers' capital security, and facilitate agricultural products trading and capital flow.
Yang: Internet finance can break the information asymmetry in rural areas and promote the two-way inflow of social resources to rural areas. The development of rural economy needs the participation of social forces, and information occlusion has always been a "stubborn disease" that hinders the development of rural economy. With the increasing coverage of Internet in rural areas, Internet finance will become an important way for rural areas to enjoy social resources. On the one hand, it has expanded the rural market, especially the rise of e-commerce, put rural resources on an open platform, greatly expanded the sales of rural resources, and promoted the development of rural economy and farmers' income; On the other hand, it absorbs social resources to participate in rural construction, which greatly meets the needs of rural development, and also develops the potential of rural development, and better helps rural economic transformation and upgrading.
Internet finance has filled the shortcomings of rural talents.
Yang: Internet finance has expanded the space for innovation and entrepreneurship in rural areas, which can attract talents to return to rural areas to participate in rural construction and fill the shortcomings of talents. Now internet finance is gradually saturated in cities, but it is still in its infancy in rural areas. Internet finance has a broad development prospect and space in rural areas, and it is undoubtedly attractive to young people with entrepreneurial dreams. Adding the "Internet" element to the rural economic transformation and development can not only attract talents to return to the countryside to participate in rural construction and fill the shortcomings of rural talents, but also with the introduction of a series of national support policies, the innovation of young talents can be easily activated, and the vast rural areas have become the cradle of cultivating talents.
Internet finance innovates the concept of rural economic development.
Kong Dezhu, Party Committee of Tongchang Township: Internet finance is conducive to innovative ideas and promotes the transformation and upgrading of rural economy. Internet finance has enabled the general public to see the changes and development opportunities brought by the network, gain new insights brought by informationization that their ancestors never had before, strengthen their will and confidence in developing rural economy, and innovate farmers' new views on market, consumption, values and development in the information age. Internet finance has brought about changes in people's development concept and quality, is a "genetically modified project" in rural economy and society, is a new climax of rural economic development, and has a far-reaching impact on rural economic transformation.
Internet finance makes up for the low credit loans of farmers.
Yang: Internet finance makes up for the defect of low credit loans for farmers and can effectively solve the problem of financing difficulties in rural economic development. The development of rural economy needs sufficient capital flow support. The emergence of Internet finance, especially P2P platform, can provide farmers with loan channels and effectively make up for the funding gap. In addition, Internet payment and mobile payment, which rely on the development of Internet finance, have the characteristics of high efficiency, low cost and convenient use. Landing in rural areas can effectively improve the rural financial service environment, become an important way to make up for the lack of financial infrastructure and replace the traditional physical service space, and better solve the financial service demand in rural areas.
Second, what are the risks that need to be prevented and controlled in rural Internet finance?
Quyi of the People's Social Security Bureau of Jianshui County, Yunnan Province: Rural residents generally lack the knowledge and practice of Internet finance. Internet financial service providers are mixed, and it is easy to induce the former to maliciously defraud loans and the latter to run away. To this end, the state should establish and improve the relevant laws and regulations of Internet finance as soon as possible, and strictly implement the entry threshold and industry norms; The financial sector should give full play to its traditional advantages and fully enjoy credit information; Local governments should strengthen supervision and intensify the crackdown on illegal activities; Network security departments should strengthen technical support to ensure the safety of funds and personal information. Only by actively embracing the advent of rural internet finance and strengthening risk prevention and control can internet finance bring new changes to the financial format of rural economic transformation and development.
Feng Lei: The whole process of the development of things has both positive and negative aspects, and the main aspect determines the direction. In order for internet finance to play an advantage in rural economic reform, it is necessary to make the advantages in the development process occupy a major position and benefit the people. Among them, every leading cadre needs wholehearted investment and full technical support. After all, Internet finance is a platform integrating informationization, speediness and financialization. To really play a role in the reform, it is necessary to "strike while the iron is hot."
Yang Yaopeng: The advantage of Internet finance in rural transformation lies in the flexibility and rapidity of "production and sales", especially in villages with large labor export. Information technology is not limited by time and space and has strong flexibility, which makes the original "guarded" business become a "made" market, and the fixed-point loosening of labor force has also enabled many rural industries to develop.
However, the instability of internet finance and the irreversibility of some operations are some key nodes in the combination of internet finance and rural economic transformation. In this process, we should not only let the masses experience the advantages of fast finance in the Internet age, but also teach them how to avoid risks and deal with follow-up problems.
Peng Xiaoman, People's Government of Gu Xi Town, Tongnan District, Chongqing: When Internet finance is in full swing in grassroots economic organizations, the problems existing in the promotion of Internet finance in rural areas should not be underestimated. The first is the qualification standard of rural Internet enterprises. Due to the sudden emergence of rural Internet enterprises in recent years, the ability and quality of legal persons in rural Internet enterprises are uneven, and they do not pay enough attention to the qualifications of enterprises and do not understand the standardization of agricultural products "going out" from rural areas. Therefore, while strengthening the standardization of enterprise qualifications, the government should pay attention to the quality supervision of enterprise products and lay a "credit" foundation for the development of rural internet finance; Second, the "talent gap" effect of rural Internet finance is obvious. Internet finance is rooted in rural areas, and the construction of Internet technology professionals is indispensable. Although a group of young people who know computers and e-commerce have grown up in modern rural areas, professionals who know finance and business are scarce. Therefore, rural Internet finance should attach importance to the leading role of talents. While cultivating local youth to become compound talents who understand theory, manage and get rich, we should give play to the leading effect of policies, guide e-commerce practitioners with practical experience to return home to start businesses, and encourage e-commerce professional managers to "go to the countryside" as a good strategy to promote the development of local internet finance. Third, the infrastructure supporting rural Internet finance needs to be further improved. "One network cable, one computer" is an indispensable tool for our rural Internet business, but the lag of rural information infrastructure construction and the criticism of "high cost and low network speed" also affect the development of Internet business. In addition, while the network speed is low, the backward road transportation conditions also reduce the efficiency of logistics transportation. Therefore, it is imperative to improve the rural internet financial infrastructure, promote the speed-up and fee reduction of broadband networks, and accelerate the rural broadband penetration rate.
Third, the development of rural internet finance still needs a lot of efforts.
The development of rural internet finance should build three supports.
Li: Building a strong talent support. In the Internet age, not knowing the Internet is equivalent to "illiteracy". If Internet finance wants to help the development of grassroots economy, the first element is "talent". It is necessary to integrate and utilize the existing resources at the grassroots level, and give full play to the advantages of university student village officials, first secretaries, new rural instructors, representatives of party member, "sensible people, leaders", veterans, returning college students and so on. Pay attention to cultivating rural e-commerce leaders, lead more rural people to participate in "rural internet plus" entrepreneurship with typical influence, strengthen the new force of rural entrepreneurship by using the Internet, and let every household "touch the net" in production and life.
Establish a strong industrial support. Taking the opportunity of developing the "joint-stock cooperative economy" to strengthen the foundation of benefiting farmers, we will take industrial development measures such as demonstration, brand promotion and marketing linkage, as well as unified planning and contiguous planting to vigorously implement agricultural restructuring; Cultivate and support rural logistics intermediary organizations to build a logistics network that connects every village and every household, realize "online goods to the countryside and agricultural goods online", give full play to the role of the government in resource allocation, and adopt express delivery methods such as "agency, agency and delivery" to solve the problem that the logistics industry is only in the city, not in the countryside, and create good logistics conditions for the development of rural internet finance.
Establish technical support. With the activities of grass-roots party organizations as the carrier, relying on "three sessions and one lesson" and distance education, we will publicize the experience and practice of rural Internet finance, organize party member people to participate in practical skills training of e-commerce, provide guidance for the start of "Internet plus agricultural products", and build a solid technical support for the development of rural Internet finance.
The development of rural internet finance needs institutional guarantee.
Qiu Lingling: Accelerating the development of rural Internet finance requires corresponding institutional guarantees.
First of all, there must be platform guarantee, and a good platform can win the sales link. Governments at all levels should actively build a platform between agriculture and e-commerce, so that all kinds of "characteristic" products related to agriculture can be well displayed, thus broadening the sales channels of agricultural products and gaining the hope of winning in the sales process.
Secondly, there must be logistics guarantee, and smooth logistics around the country can win the user experience. In fact, the rural logistics system is very imperfect. Usually, the last stop of a logistics company is a city or a county center, and it is often impossible to reach a small and remote rural area. Therefore, users will not be satisfied at the beginning of the experience, and will directly lose a group of potential users. Where there are people, there is business, so it is really urgent to solve the rural logistics problem. Similarly, where there are people, there must be a road. For example, we can open up the logistics problem between goods going to the countryside and agricultural products entering the city by establishing the collection point service of commissary and business hall.
Finally, there must be regulatory guarantees to protect the legitimate rights and interests of market players. Internet plus has promoted the industrial transformation and upgrading under the new normal of China's economic development. However, it must be noted that China's financial market has problems such as high market access threshold and lack of financial supervision. Internet finance has not yet established clear and unified regulatory rules. Therefore, we should encourage innovation, competition and development, standardize market order and protect the legitimate rights and interests of market participants in the future.
The "take-off" of rural Internet finance needs various "boosting".
He: In recent years, with the development of information and communication technology and the Internet, Internet finance has developed rapidly. However, as a new field, especially for rural areas, how to take off with the wings of Internet finance is not a question of "keeping promises". It is necessary to improve supporting measures, give support in many aspects, and make efforts for the transformation from "grassroots finance" to "trend finance".
The key to technology going to the countryside is talents going to the countryside. At present, the rural internet has been widely covered, and everything can be said to be ready in terms of "hardware" construction. Although farmers can get online at home, there are not a few farmers who can get online, and few people really understand internet finance. The demand for knowledge and skills training in rural areas is very strong. It can be seen that it is imperative to equip and improve the corresponding technical management talents to teach and guide the development of rural Internet finance.
The key to steady development is to guard against risks. The default cost of Internet finance is low, and it is easy to cause risk problems such as malicious loan fraud and running away. In addition, the legal system construction in emerging fields is still not perfect, and the Internet has become a hotbed for criminals to engage in illegal fund-raising and fraud. Most farmers have low education, simple thinking and poor awareness of prevention. In order to ensure farmers' economic security and safeguard their legitimate rights and interests, we must also improve the risk prevention and control mechanism, strengthen guidance and education, and improve farmers' ability to distinguish.
In order to benefit the people, we must improve our services. A major feature of the Internet financial model is that it can break through the geographical and time constraints, provide more direct services and have a wider range of customers. However, due to the shortage of service points of many village banks, ATM, financial sub-branches and lending business points are hard to find, and many farmers have to go to the county to handle business. It can be said that they are "slow" and backward at the starting line. In order to make farmers get real benefits, banks and other financial institutions should also provide more convenient services, further improve service points, or carry out "business going to the countryside" and "household handling" to truly give full play to the advantages of internet finance.