互联网技术与金融业深度融合产生的互联网金融模式,并没有改变金融的本质,但农村银行机构必须顺应互联网金融的发展趋势,利用互联网技术积极创新产品支持“三农”发展,践行普惠金融比尔·盖茨曾说过:“传统银行如果不改变,你们就是21世纪快要灭亡的恐龙。”这句话意指在互联网技术深入发展的浪潮中,商业银行继续固守过去的传统手段将会走向灭亡。事实上,所有行业只要不因时而变、因势而变,都将会逐步走向衰落,甚至消亡。相反,银行业金融机构如积极应对互联网技术带来的变革,则不仅 The Internet financial model resulting from the deep integration of Internet technology and financial industry has not changed the essence of finance. However, rural banking institutions must follow the development trend of Internet finance and make use of Internet technologies to actively innovate products to support the development of “three rural issues” Hui Ginger Bill Gates said: “If you do not change the traditional bank, you are the dinosaurs that will perish in the 21st century. ” This sentence means that in the wave of the deepening development of Internet technology, commercial banks continue to stick to the tradition of the past Means will go to perish. In fact, as long as industries do not change from time to time, they will gradually decline or even die due to changes in circumstances. In contrast, banking financial institutions not only actively respond to the changes brought about by Internet technology