微農(nóng)貸加盟(互聯(lián)網(wǎng)農(nóng)村金融市場：三類平臺的商業(yè)模式及發(fā)展現(xiàn)狀)，36創(chuàng)業(yè)加盟網(wǎng)給大家?guī)碓敿毜慕榻B，讓更多的人可以參考:微農(nóng)貸加盟(互聯(lián)網(wǎng)農(nóng)村金融市場：三類平臺的商業(yè)模式及發(fā)展現(xiàn)狀)。
Risk control is difficult to achieve standardization
Due to the different industrial characteristics and the large differences in rural culture across the country, it is difficult to standardize risk control. In the early stage, they will choose to deepen an industry and start development in a certain region, and then continue to explore and improve business models in this industry, and then enter other regions. It is precisely because risk control is difficult to achieve standardization, so the method of collecting information offline is used to establish a risk control model.
High offline operating costs
In the face of the vast rural financial market, there is an embarrassing situation of "high door-to-door service costs, high financing costs, but low profits" in serving rural finance. Then why are Internet giants and traditional industry giants entering the rural financial market one after another? Internet financial platforms do not want to "squeeze out" farmers and make money from farmers. Rather, it is aimed at the agricultural products behind the farmers. The platform helps farmers finance to solve the problem of insufficient production funds, and then after the end of production, it helps farmers connect with hundreds of millions of consumers and obtain a higher market. This part of the e-commerce market The profit is very impressive.
The rural financial environment is not yet mature and it is difficult to build a system
The main body participating in rural economic construction has the problem of information islands. For example, commercial insurance companies, because they do not have relevant data and information related to farmers' production, the risks of insurance companies are very high in the face of this kind of business that depends on the weather, so many insurance companies are unwilling to try agricultural insurance business.
Ant Financial released the "Guyu Plan" rural financial strategy. Through the aggregation of many rural economic participants, it wants to build a rural economic system, break the information islands in traditional industries, serve farmers, and reduce farmers' financing costs Even solve the problem of farmers’ financing difficulties.
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