A Simulation Experiment of Rural Digital Inclusive Finance on Property Rights Financing Risk Control of Small and Micro Business Entities

Zhan Zhimin; Fang Min

doi:doi:10.11648/j.ajmse.20220705.11

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A Simulation Experiment of Rural Digital Inclusive Finance on Property Rights Financing Risk Control of Small and Micro Business Entities

Zhan Zhimin, Fang Min

Published in American Journal of Management Science and Engineering (Volume 7, Issue 5)

Received: 4 September 2021 Accepted: 29 October 2022 Published: 31 October 2022

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Abstract

The organic combination of rural digital inclusive finance and land property right mortgage financing based on theory and practice is a financial innovation to solve the financing difficulties of small and micro rural economies scientifically. However, due to the vulnerabilities of rural financial markets (such as information asymmetry and digital divide), the control of potential risks in this field urgently needs to be strengthened. In order to promote the development effect of rural digital inclusive finance in an orderly manner, the special complexity of rural inclusive finance environment and rural land property right mortgage financing environment and the discrete characteristics of existing data are taken into account. We intend to use the questionnaire survey limited data to improve the use of modern control models to validate the system simulation experiments. The Simulink program of MATLAB7.0 software is used to simulate by module drawing. It is found that in the mortgaged financing of rural land property rights, rural small and micro enterprises such as farmers have different risk-bearing and risk control compared with financial institutions in a weak position of information and resources. We will actively explore ways to effectively control the risks of farmers and other rural small and micro business entities. It is suggested that special attention should be paid to the control of such risks in ethnic areas with complex social relations. The practice has proved that rural digital inclusive finance is an effective way to solve the financing difficulties of rural small and micro economies.

Published in	American Journal of Management Science and Engineering (Volume 7, Issue 5)
DOI	10.11648/j.ajmse.20220705.11
Page(s)	69-74
Creative Commons	This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.
Copyright	Copyright © The Author(s), 2024. Published by Science Publishing Group

Keywords

Rural Digital Inclusive Finance, Risk Control, Land Property Mortgage Financing, Simulation Experiment

References

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[7]	Gao Shiran, Yang Mingwan, Zhang Lezhu, Yu Mingzhu. The Poverty Reduction Effect of Inclusive Finance Development in my country's Developed Provinces: An Empirical Study Based on Guangdong Province [J/OL]. Rural Finance Research, 2020 (08): 24-33 [2020-09-13]. https://doi.org/10.16127/j.cnki.issn1003-1812.2020.08.004.
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APA Style

Zhan Zhimin, Fang Min. (2022). A Simulation Experiment of Rural Digital Inclusive Finance on Property Rights Financing Risk Control of Small and Micro Business Entities. American Journal of Management Science and Engineering, 7(5), 69-74. https://doi.org/10.11648/j.ajmse.20220705.11

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ACS Style

Zhan Zhimin; Fang Min. A Simulation Experiment of Rural Digital Inclusive Finance on Property Rights Financing Risk Control of Small and Micro Business Entities. Am. J. Manag. Sci. Eng. 2022, 7(5), 69-74. doi: 10.11648/j.ajmse.20220705.11

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AMA Style

Zhan Zhimin, Fang Min. A Simulation Experiment of Rural Digital Inclusive Finance on Property Rights Financing Risk Control of Small and Micro Business Entities. Am J Manag Sci Eng. 2022;7(5):69-74. doi: 10.11648/j.ajmse.20220705.11

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@article{10.11648/j.ajmse.20220705.11,
  author = {Zhan Zhimin and Fang Min},
  title = {A Simulation Experiment of Rural Digital Inclusive Finance on Property Rights Financing Risk Control of Small and Micro Business Entities},
  journal = {American Journal of Management Science and Engineering},
  volume = {7},
  number = {5},
  pages = {69-74},
  doi = {10.11648/j.ajmse.20220705.11},
  url = {https://doi.org/10.11648/j.ajmse.20220705.11},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ajmse.20220705.11},
  abstract = {The organic combination of rural digital inclusive finance and land property right mortgage financing based on theory and practice is a financial innovation to solve the financing difficulties of small and micro rural economies scientifically. However, due to the vulnerabilities of rural financial markets (such as information asymmetry and digital divide), the control of potential risks in this field urgently needs to be strengthened. In order to promote the development effect of rural digital inclusive finance in an orderly manner, the special complexity of rural inclusive finance environment and rural land property right mortgage financing environment and the discrete characteristics of existing data are taken into account. We intend to use the questionnaire survey limited data to improve the use of modern control models to validate the system simulation experiments. The Simulink program of MATLAB7.0 software is used to simulate by module drawing. It is found that in the mortgaged financing of rural land property rights, rural small and micro enterprises such as farmers have different risk-bearing and risk control compared with financial institutions in a weak position of information and resources. We will actively explore ways to effectively control the risks of farmers and other rural small and micro business entities. It is suggested that special attention should be paid to the control of such risks in ethnic areas with complex social relations. The practice has proved that rural digital inclusive finance is an effective way to solve the financing difficulties of rural small and micro economies.},
 year = {2022}
}

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TY  - JOUR
T1  - A Simulation Experiment of Rural Digital Inclusive Finance on Property Rights Financing Risk Control of Small and Micro Business Entities
AU  - Zhan Zhimin
AU  - Fang Min
Y1  - 2022/10/31
PY  - 2022
N1  - https://doi.org/10.11648/j.ajmse.20220705.11
DO  - 10.11648/j.ajmse.20220705.11
T2  - American Journal of Management Science and Engineering
JF  - American Journal of Management Science and Engineering
JO  - American Journal of Management Science and Engineering
SP  - 69
EP  - 74
PB  - Science Publishing Group
SN  - 2575-1379
UR  - https://doi.org/10.11648/j.ajmse.20220705.11
AB  - The organic combination of rural digital inclusive finance and land property right mortgage financing based on theory and practice is a financial innovation to solve the financing difficulties of small and micro rural economies scientifically. However, due to the vulnerabilities of rural financial markets (such as information asymmetry and digital divide), the control of potential risks in this field urgently needs to be strengthened. In order to promote the development effect of rural digital inclusive finance in an orderly manner, the special complexity of rural inclusive finance environment and rural land property right mortgage financing environment and the discrete characteristics of existing data are taken into account. We intend to use the questionnaire survey limited data to improve the use of modern control models to validate the system simulation experiments. The Simulink program of MATLAB7.0 software is used to simulate by module drawing. It is found that in the mortgaged financing of rural land property rights, rural small and micro enterprises such as farmers have different risk-bearing and risk control compared with financial institutions in a weak position of information and resources. We will actively explore ways to effectively control the risks of farmers and other rural small and micro business entities. It is suggested that special attention should be paid to the control of such risks in ethnic areas with complex social relations. The practice has proved that rural digital inclusive finance is an effective way to solve the financing difficulties of rural small and micro economies.
VL  - 7
IS  - 5
ER  -

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Author Information

Zhan Zhimin

School of Finance, Guangzhou Huashang College, Guangzhou, China
Fang Min

School of Finance, Guangzhou Huashang College, Guangzhou, China

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APA Style

Zhan Zhimin, Fang Min. (2022). A Simulation Experiment of Rural Digital Inclusive Finance on Property Rights Financing Risk Control of Small and Micro Business Entities. American Journal of Management Science and Engineering, 7(5), 69-74. https://doi.org/10.11648/j.ajmse.20220705.11

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ACS Style

Zhan Zhimin; Fang Min. A Simulation Experiment of Rural Digital Inclusive Finance on Property Rights Financing Risk Control of Small and Micro Business Entities. Am. J. Manag. Sci. Eng. 2022, 7(5), 69-74. doi: 10.11648/j.ajmse.20220705.11

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AMA Style

Zhan Zhimin, Fang Min. A Simulation Experiment of Rural Digital Inclusive Finance on Property Rights Financing Risk Control of Small and Micro Business Entities. Am J Manag Sci Eng. 2022;7(5):69-74. doi: 10.11648/j.ajmse.20220705.11

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@article{10.11648/j.ajmse.20220705.11,
  author = {Zhan Zhimin and Fang Min},
  title = {A Simulation Experiment of Rural Digital Inclusive Finance on Property Rights Financing Risk Control of Small and Micro Business Entities},
  journal = {American Journal of Management Science and Engineering},
  volume = {7},
  number = {5},
  pages = {69-74},
  doi = {10.11648/j.ajmse.20220705.11},
  url = {https://doi.org/10.11648/j.ajmse.20220705.11},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ajmse.20220705.11},
  abstract = {The organic combination of rural digital inclusive finance and land property right mortgage financing based on theory and practice is a financial innovation to solve the financing difficulties of small and micro rural economies scientifically. However, due to the vulnerabilities of rural financial markets (such as information asymmetry and digital divide), the control of potential risks in this field urgently needs to be strengthened. In order to promote the development effect of rural digital inclusive finance in an orderly manner, the special complexity of rural inclusive finance environment and rural land property right mortgage financing environment and the discrete characteristics of existing data are taken into account. We intend to use the questionnaire survey limited data to improve the use of modern control models to validate the system simulation experiments. The Simulink program of MATLAB7.0 software is used to simulate by module drawing. It is found that in the mortgaged financing of rural land property rights, rural small and micro enterprises such as farmers have different risk-bearing and risk control compared with financial institutions in a weak position of information and resources. We will actively explore ways to effectively control the risks of farmers and other rural small and micro business entities. It is suggested that special attention should be paid to the control of such risks in ethnic areas with complex social relations. The practice has proved that rural digital inclusive finance is an effective way to solve the financing difficulties of rural small and micro economies.},
 year = {2022}
}

Copy | Download

TY  - JOUR
T1  - A Simulation Experiment of Rural Digital Inclusive Finance on Property Rights Financing Risk Control of Small and Micro Business Entities
AU  - Zhan Zhimin
AU  - Fang Min
Y1  - 2022/10/31
PY  - 2022
N1  - https://doi.org/10.11648/j.ajmse.20220705.11
DO  - 10.11648/j.ajmse.20220705.11
T2  - American Journal of Management Science and Engineering
JF  - American Journal of Management Science and Engineering
JO  - American Journal of Management Science and Engineering
SP  - 69
EP  - 74
PB  - Science Publishing Group
SN  - 2575-1379
UR  - https://doi.org/10.11648/j.ajmse.20220705.11
AB  - The organic combination of rural digital inclusive finance and land property right mortgage financing based on theory and practice is a financial innovation to solve the financing difficulties of small and micro rural economies scientifically. However, due to the vulnerabilities of rural financial markets (such as information asymmetry and digital divide), the control of potential risks in this field urgently needs to be strengthened. In order to promote the development effect of rural digital inclusive finance in an orderly manner, the special complexity of rural inclusive finance environment and rural land property right mortgage financing environment and the discrete characteristics of existing data are taken into account. We intend to use the questionnaire survey limited data to improve the use of modern control models to validate the system simulation experiments. The Simulink program of MATLAB7.0 software is used to simulate by module drawing. It is found that in the mortgaged financing of rural land property rights, rural small and micro enterprises such as farmers have different risk-bearing and risk control compared with financial institutions in a weak position of information and resources. We will actively explore ways to effectively control the risks of farmers and other rural small and micro business entities. It is suggested that special attention should be paid to the control of such risks in ethnic areas with complex social relations. The practice has proved that rural digital inclusive finance is an effective way to solve the financing difficulties of rural small and micro economies.
VL  - 7
IS  - 5
ER  -

Copy | Download