CAJ | 학술논문

内生金融不足是中国农村金融供需不匹配的重要原因。目前新兴的农村“互联网＋产业链”金融模式，是一种各市场参与主体通过竞争博弈自下而上形成的、弱政府干预的、金融效率较高的、市场竞争充分的“内生性”农村金融模式。结合农村内生金融理论，对四个典型案例的分析表明，“互联网＋产业链”金融模式通过核心企业主导创新、产业链金融支撑、移动互联网覆盖、大数据征信、整合各类金融机构等机制，有效推动了中国农村外生金融内生化发展，促进了农村金融的供需匹配和深化。但由于核心企业存在机会主义倾向以及发展战略不当等问题，加上我国金融管制力度较大，制约了农村“互联网＋产业链”金融模式在全国范围的推广，需要从制度和政策层面加以规制和完善。
내생금융불족시중국농촌금융공수불필배적중요원인。목전신흥적농촌“호련망＋산업련”금융모식，시일충각시장삼여주체통과경쟁박혁자하이상형성적、약정부간예적、금융효솔교고적、시장경쟁충분적“내생성”농촌금융모식。결합농촌내생금융이론，대사개전형안례적분석표명，“호련망＋산업련”금융모식통과핵심기업주도창신、산업련금융지탱、이동호련망복개、대수거정신、정합각류금융궤구등궤제，유효추동료중국농촌외생금융내생화발전，촉진료농촌금융적공수필배화심화。단유우핵심기업존재궤회주의경향이급발전전략불당등문제，가상아국금융관제력도교대，제약료농촌“호련망＋산업련”금융모식재전국범위적추엄，수요종제도화정책층면가이규제화완선。
Lack of endogenous financial innovation is an important reason for the mismatch between the supply and the demand of finance in rural China.At present,an endogenous innovation of financial model of “Internet &industry chain”is emerging with competition game involving participants of all the markets from the bottom up, weak government intervention,high financial efficiency and complete competition.This paper selectes four typical cases,combining with the theory of rural endogenous finance,and analyzes financial model of “Internet &industry chain”,finding the model by means such as the core enterprise leading innovation,big data inquiry and integrating all kinds of financial institutions,effectively promotes the endogenous development of Chinese rural exogenous finance and enhances the matchup and deepening between the supply and demand sides of finance in rural China.However, some reasons such as serious opportunism attitude,improper development strategies of core enterprise,strong financial control in China,restrict the “Internet & industry chain”mode of the endogenous rural financial to be promoted on a national scale,and it requires regulation and improvement on institution and policy level.