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构建农村普惠金融体系是城镇化进程中统筹城乡发展的必然要求,互联网金融的出现为发展我国农村普惠金融提供了更为有效的路径。本文从我国农村金融体系的现状及问题入手,分析了互联网金融促进农村普惠金融发展的优势,认为互联网金融能够拓宽金融市场边界,打破地域限制,降低交易成本,解决信息不对称,提高资金运用效率。将构建具有我国特色的新型农村金融体系与发展互联网金融有机结合,能够减缓人民贫困,加快城镇化进程,促进金融普惠。
Building a rural inclusive financial system is an inevitable requirement for the overall planning of urban and rural development in the process of urbanization. The emergence of internet finance provides a more effective path for the development of rural inclusive finance in China. This paper starts with the status quo and problems of China’s rural financial system, analyzes the advantages of Internet finance to promote the development of rural inclusive finance, and believes that Internet finance can broaden the boundaries of financial markets, break geographical restrictions, reduce transaction costs, resolve information asymmetry, and improve the use of funds. effectiveness. The organic combination of building a new type of rural financial system with Chinese characteristics and the development of Internet finance can alleviate people’s poverty, accelerate the process of urbanization, and promote financial inclusion.