Agricultural electric dealers expect financial assistance

Recently, China Internet Network Information Center released the 31st China Internet Development Status Statistics report. The report shows that as of the end of December 2012, China's rural population accounted for 27.6%, the scale reached 156 million, up from the end of the year to increase about 19.6 million people. However, there is still a big gap between urban and rural internet penetration, and by the end of 2012, internet penetration among urban residents has reached about 60%, compared with 23.7% in rural areas.

It is noteworthy that since 2011, the popularity of the internet in China's rural resident population has begun to go slightly beyond towns.

In the rapid progress of urbanization in China, the popularization of rural Internet is a general trend. Now, with the help of the internet to get rich countless village electric business platform in the country's rural township market has sprung up, peasant network business groups are emerging. In Yunnan, the Earth elder sister specialty Online mall only in 3 years time, on the electronic commerce to create a domestic first online products sales mall, to achieve annual turnover of 2 billion yuan, network specialty retail market accounted for 60% of the share; in Zhejiang, Lishui Suichang County urban Area 50,000 resident population (with township farmers as the main), Gathered more than 1500 stores, the annual sales total of 110 million to 120 million yuan.

The nineth session of the Network Business conference, the Chinese Academy of Social Sciences Information Research Center and Alibaba Group Research Center jointly issued the "e-commerce white Paper (2012)", the first release of peasant network and shop groups: In the past 3 years, the total size of farmers ' network and shop has been expanding, Among them, the number of peasant nets increased from 450,000 in 2009 to 1.71 million in 2011. At present, the total amount of e-commerce transactions in rural villages is 20.9 billion yuan, the number of traded goods reached 18.62 million. Agriculture-related e-commerce (e-commerce involving rural, peasant and agricultural) presents a rapid growth situation, the 2012 only Ali platform on the completion of agricultural transactions 19.86 billion yuan.

E-commerce is quietly changing the production and lifestyle of farmers, more and more farmers began to accept online payments and modern logistics of the new mode of circulation. In the past, some 64% of the farmers who used to be idle have become engaged in e-commerce activities at home. Shandong province Jiaxiang County Huang villagers Meng Hongwei through Taobao received a large order from Dubai million yuan, this only seen in the photos "Sailing hotel" rural people, the village of 500 cows, 3,000 sheep across the sea to sell to the Dubai. Now he has sold 100,000 live cattle and sheep. "No one believes that live cattle live in the countryside can also be sold online, but our customers are all from the network." If the rural people use the Internet, they can reap more benefits than city dwellers. "Meng Hongwei said. After several years of development, Huang near thousands of farms have joined the online sales team, cattle and sheep transport with more than 300 transport teams across the country to achieve cooperation, forming a network of agricultural products industry chain.

With the rapid development of Internet and the flourishing of agriculture-related electronic commerce, the development of rural finance should keep pace with the times and help it in the development of peasant network. Because farmers as the most important part of rural e-commerce, in the bottom of the application of E-commerce is very much in need of financial support. However, in the rural traditional economic development in the form of a lot of provisions on financing, it does not apply to the new business of e-commerce in rural areas, it is not conducive to grassroots farmers from rural financial institutions to easily obtain financing support, especially the use of e-commerce time is not long for farmers, more limited by the conditions of mortgages. Therefore, the rural financial institutions should be based on the actual situation of farmers, targeted innovation, in the examination of loans more with the use of E-commerce transactions formed by reliable credit records, so as to ensure the security of loans at the same time, but also to help farmers network development.

Some experts say, our country should be free from the traditional physical network coverage of the old ideas, and vigorously develop low-cost, extensive coverage of the network-free bank, and reasonable expansion of the types of financial services, this will be the main solution to the rural basic financial services trend. In fact, the basic financial services such as "deposit, loan and sink" in rural areas have been inseparable from physical network radiation. In 2008, the competent department requested a blank financial Township network coverage, initially relying mainly on the existing financial institutions and the establishment of three types of new rural institutions, and then found that the effect is not good, then take full-time physical outlets, regular service physical outlets, mobile service vehicles three modes to achieve full coverage. But it turns out that these methods cost too much, are poorly secured and have poor service effectiveness.

July 2012, China Banking Regulatory Commission proposed financial services into the community, Sunshine Credit, rich peasant Huilong financial innovation, "three major projects", emphasizing the physical network sink at the same time, innovative financial services and methods. This further broadens the innovative thinking of rural financial services. For example, in the countryside, the bank cloth puts the POS machine the cost is relatively high, the farmer also faces the certain application threshold, in contrast, the bank in the countryside vigorously develops the mobile payment business to be more feasible.

By the end of December 2012, China's mobile phone users 420 million, accounting for the overall size of the Internet 74.5%, the future of the mobile trend will become increasingly obvious. Banks in rural areas vigorously develop mobile payment business, it can fully benefit banks, operators, and E-commerce platforms: operators can lock up a loyal group of customers through this service, and when the State gives policy care to farmers and financial institutions provide services to farmers, these mobile payment transactions become valid evidence, Facilitate farmers to obtain funds or enjoy preferential policies.

E-commerce in China's development over the past 13 years, experienced two highs and lows, at present there are two problems, is a reasonable time to intervene in the bank. One is the lack of financial services in the e-business process, in terms of transaction management, fund management, safety and convenience, only the services of third party payment agencies are insufficient, and credit support is close to the gap, which can be said to require strong demand and lack of supply, which is the responsibility of banks to enter as soon as possible The second is that E-commerce in recent years, the transaction costs are gradually increasing, the bank's entry, through rational optimization of the supply chain, a moderate share of customer resources, to effectively reduce the whole society of Electronic business transaction costs effect.

At the present stage, although China's rural E-commerce is still in its infancy, but the future is bright. Banks and other rural financial institutions can be around the rural E-commerce platform project, in product production, processing, marketing, online ordering, payment, transaction management and other links to provide financial services, to create a good development environment.