摘要：隨著信(xin)(xin)息(xi)技術(shu)的(de)(de)(de)不(bu)斷發展(zhan)(zhan)，電子商務(wu)正在(zai)呈(cheng)現出上(shang)升發展(zhan)(zhan)的(de)(de)(de)趨勢，不(bu)僅為(wei)(wei)各類商品流通提(ti)供(gong)了(le)更為(wei)(wei)便捷(jie)的(de)(de)(de)渠道(dao)，也為(wei)(wei)農產(chan)(chan)品流通提(ti)供(gong)了(le)發展(zhan)(zhan)平臺(tai)(tai)，國家在(zai)電子商務(wu)的(de)(de)(de)基礎(chu)上(shang)開發出了(le)“云(yun)物(wu)流”平臺(tai)(tai)，“云(yun)物(wu)流”平臺(tai)(tai)不(bu)僅擁有(you)(you)先進(jin)的(de)(de)(de)信(xin)(xin)息(xi)處理技術(shu)，還能(neng)夠針對(dui)農產(chan)(chan)品本身建(jian)立起相應的(de)(de)(de)效應分析系統，以此保證農產(chan)(chan)品云(yun)物(wu)流平臺(tai)(tai)的(de)(de)(de)有(you)(you)效構(gou)建(jian)。云(yun)物(wu)流平臺(tai)(tai)具有(you)(you)極(ji)強的(de)(de)(de)綜(zong)合性，其中涉及到的(de)(de)(de)因素有(you)(you)很對(dui)，對(dui)此，只(zhi)有(you)(you)做好(hao)全(quan)方位的(de)(de)(de)綜(zong)合準備工(gong)作，才能(neng)夠構(gou)建(jian)科學完(wan)善的(de)(de)(de)農產(chan)(chan)品云(yun)物(wu)理平臺(tai)(tai)。本文針對(dui)農產(chan)(chan)品的(de)(de)(de)云(yun)物(wu)流平臺(tai)(tai)的(de)(de)(de)構(gou)建(jian)展(zhan)(zhan)開了(le)相關討論。

關鍵詞：農產品；云物流；平臺構(gou)建

農(nong)(nong)(nong)業在我(wo)國(guo)經濟(ji)發(fa)展(zhan)中始(shi)終占據(ju)(ju)重要(yao)位置，農(nong)(nong)(nong)產(chan)品(pin)經濟(ji)的發(fa)展(zhan)也(ye)直接決定著(zhu)我(wo)國(guo)發(fa)經濟(ji)總量發(fa)展(zhan)，隨著(zhu)各(ge)種先進信息(xi)技(ji)術的出現，大數據(ju)(ju)時代(dai)已經來臨(lin)，云計算開始(shi)被應(ying)用(yong)到各(ge)行各(ge)業當(dang)(dang)中，在此基礎上，農(nong)(nong)(nong)業經濟(ji)發(fa)展(zhan)速度得(de)到了有效提升，并(bing)建立起(qi)相應(ying)的發(fa)展(zhan)平(ping)臺(tai)。就農(nong)(nong)(nong)產(chan)品(pin)物流方面而言，我(wo)國(guo)已經開始(shi)將農(nong)(nong)(nong)產(chan)品(pin)運輸、儲藏、銷售等環節整合到一(yi)個統一(yi)的物流平(ping)臺(tai)當(dang)(dang)中，并(bing)依(yi)靠相關的信息(xi)技(ji)術發(fa)展(zhan)現代(dai)農(nong)(nong)(nong)產(chan)品(pin)物流，實現農(nong)(nong)(nong)業經濟(ji)的快速發(fa)展(zhan)。

一、云計(ji)算應用于農產品物流的可(ke)行性分析

（一(yi)(yi)）云(yun)(yun)(yun)(yun)(yun)(yun)計(ji)(ji)算(suan)(suan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)(ji)(ji)本概念和(he)特點。1.云(yun)(yun)(yun)(yun)(yun)(yun)計(ji)(ji)算(suan)(suan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)(ji)(ji)本概念。云(yun)(yun)(yun)(yun)(yun)(yun)計(ji)(ji)算(suan)(suan)作(zuo)為(wei)(wei)一(yi)(yi)個(ge)(ge)綜合(he)性(xing)極(ji)強的(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)據(ju)(ju)處(chu)(chu)理平(ping)臺(tai)，通(tong)常擁有眾多(duo)(duo)(duo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)子(zi)程(cheng)序(xu)，這(zhe)(zhe)些(xie)子(zi)程(cheng)序(xu)是(shi)(shi)通(tong)過龐大(da)的(de)(de)(de)(de)(de)(de)(de)(de)(de)計(ji)(ji)算(suan)(suan)處(chu)(chu)理程(cheng)序(xu)分(fen)(fen)(fen)(fen)化(hua)(hua)(hua)(hua)出(chu)(chu)(chu)來(lai)(lai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)，數(shu)據(ju)(ju)在(zai)(zai)經由(you)中(zhong)(zhong)央計(ji)(ji)算(suan)(suan)處(chu)(chu)理器整理過后(hou)(hou)，被下(xia)發(fa)(fa)到(dao)(dao)相應的(de)(de)(de)(de)(de)(de)(de)(de)(de)子(zi)程(cheng)序(xu)之(zhi)中(zhong)(zhong)，然后(hou)(hou)通(tong)過各(ge)(ge)(ge)(ge)種(zhong)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)分(fen)(fen)(fen)(fen)析技(ji)術對(dui)這(zhe)(zhe)些(xie)數(shu)據(ju)(ju)進(jin)行(xing)(xing)集中(zhong)(zhong)整理分(fen)(fen)(fen)(fen)類，并(bing)(bing)(bing)(bing)(bing)最終(zhong)分(fen)(fen)(fen)(fen)配到(dao)(dao)各(ge)(ge)(ge)(ge)個(ge)(ge)用(yong)戶的(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)據(ju)(ju)庫中(zhong)(zhong)。幫助(zhu)用(yong)戶及時獲取(qu)有效(xiao)(xiao)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)，并(bing)(bing)(bing)(bing)(bing)根(gen)據(ju)(ju)已經存(cun)檔(dang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)進(jin)行(xing)(xing)相應數(shu)據(ju)(ju)分(fen)(fen)(fen)(fen)析和(he)數(shu)據(ju)(ju)預測，實(shi)(shi)現(xian)全(quan)(quan)網(wang)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)共(gong)享。2.云(yun)(yun)(yun)(yun)(yun)(yun)計(ji)(ji)算(suan)(suan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)(ji)(ji)本特點。些(xie)主體的(de)(de)(de)(de)(de)(de)(de)(de)(de)網(wang)絡痕跡(ji)，分(fen)(fen)(fen)(fen)析各(ge)(ge)(ge)(ge)種(zhong)行(xing)(xing)為(wei)(wei)的(de)(de)(de)(de)(de)(de)(de)(de)(de)可能(neng)(neng)(neng)(neng)(neng)(neng)性(xing)。信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)快(kuai)捷(jie)(jie)隨(sui)機，網(wang)絡互聯互通(tong)得以(yi)實(shi)(shi)現(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)(ji)(ji)礎(chu)是(shi)(shi)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)快(kuai)捷(jie)(jie)隨(sui)機。此項計(ji)(ji)算(suan)(suan)之(zhi)所以(yi)被稱(cheng)為(wei)(wei)“云(yun)(yun)(yun)(yun)(yun)(yun)”，很(hen)形(xing)(xing)象地比擬了信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)快(kuai)捷(jie)(jie)、變化(hua)(hua)(hua)(hua)、隨(sui)機。數(shu)據(ju)(ju)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)量往(wang)(wang)往(wang)(wang)是(shi)(shi)十分(fen)(fen)(fen)(fen)巨大(da)的(de)(de)(de)(de)(de)(de)(de)(de)(de)，云(yun)(yun)(yun)(yun)(yun)(yun)計(ji)(ji)算(suan)(suan)在(zai)(zai)處(chu)(chu)理這(zhe)(zhe)些(xie)數(shu)據(ju)(ju)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)時，往(wang)(wang)往(wang)(wang)先(xian)采(cai)(cai)取(qu)目(mu)標分(fen)(fen)(fen)(fen)類的(de)(de)(de)(de)(de)(de)(de)(de)(de)方(fang)法將(jiang)各(ge)(ge)(ge)(ge)類數(shu)據(ju)(ju)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)進(jin)行(xing)(xing)逐(zhu)一(yi)(yi)分(fen)(fen)(fen)(fen)類，以(yi)此形(xing)(xing)成不(bu)同性(xing)質和(he)類型(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)云(yun)(yun)(yun)(yun)(yun)(yun)團(tuan)，所以(yi)，云(yun)(yun)(yun)(yun)(yun)(yun)計(ji)(ji)算(suan)(suan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)(ji)(ji)本特點之(zhi)一(yi)(yi)就(jiu)(jiu)是(shi)(shi)其(qi)中(zhong)(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)據(ju)(ju)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)具有模塊化(hua)(hua)(hua)(hua)特點。同時，由(you)于云(yun)(yun)(yun)(yun)(yun)(yun)計(ji)(ji)算(suan)(suan)是(shi)(shi)一(yi)(yi)個(ge)(ge)能(neng)(neng)(neng)(neng)(neng)(neng)夠容(rong)納大(da)量數(shu)據(ju)(ju)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)平(ping)臺(tai)，而且能(neng)(neng)(neng)(neng)(neng)(neng)夠根(gen)據(ju)(ju)這(zhe)(zhe)些(xie)數(shu)據(ju)(ju)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)虛擬出(chu)(chu)(chu)一(yi)(yi)個(ge)(ge)真實(shi)(shi)世界，以(yi)此實(shi)(shi)現(xian)云(yun)(yun)(yun)(yun)(yun)(yun)計(ji)(ji)算(suan)(suan)平(ping)臺(tai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)全(quan)(quan)面(mian)性(xing)。（二）云(yun)(yun)(yun)(yun)(yun)(yun)計(ji)(ji)算(suan)(suan)和(he)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)整合(he)趨(qu)勢(shi)。現(xian)代物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)行(xing)(xing)業(ye)(ye)(ye)較傳統物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)行(xing)(xing)業(ye)(ye)(ye)而言，已經發(fa)(fa)生(sheng)了許多(duo)(duo)(duo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)變化(hua)(hua)(hua)(hua)，現(xian)代物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)行(xing)(xing)業(ye)(ye)(ye)不(bu)僅(jin)(jin)(jin)引(yin)入(ru)了先(xian)進(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)技(ji)術，其(qi)創(chuang)造(zao)效(xiao)(xiao)益(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)手段(duan)也(ye)在(zai)(zai)不(bu)斷(duan)增(zeng)多(duo)(duo)(duo)，就(jiu)(jiu)我(wo)(wo)國(guo)(guo)(guo)(guo)(guo)農(nong)(nong)產(chan)(chan)品(pin)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)發(fa)(fa)展(zhan)進(jin)程(cheng)來(lai)(lai)看，傳統農(nong)(nong)產(chan)(chan)品(pin)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)效(xiao)(xiao)率極(ji)低(di)，并(bing)(bing)(bing)(bing)(bing)且在(zai)(zai)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)運(yun)輸過程(cheng)中(zhong)(zhong)出(chu)(chu)(chu)現(xian)較多(duo)(duo)(duo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)浪費，這(zhe)(zhe)不(bu)僅(jin)(jin)(jin)會(hui)(hui)(hui)造(zao)成我(wo)(wo)國(guo)(guo)(guo)(guo)(guo)糧食資(zi)源(yuan)(yuan)(yuan)應用(yong)效(xiao)(xiao)率變低(di)，還(huan)會(hui)(hui)(hui)影響到(dao)(dao)農(nong)(nong)產(chan)(chan)品(pin)后(hou)(hou)續的(de)(de)(de)(de)(de)(de)(de)(de)(de)加(jia)(jia)工和(he)儲存(cun)。而云(yun)(yun)(yun)(yun)(yun)(yun)計(ji)(ji)算(suan)(suan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)引(yin)入(ru)，則能(neng)(neng)(neng)(neng)(neng)(neng)夠有效(xiao)(xiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)預判出(chu)(chu)(chu)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)過程(cheng)中(zhong)(zhong)可能(neng)(neng)(neng)(neng)(neng)(neng)會(hui)(hui)(hui)出(chu)(chu)(chu)現(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)各(ge)(ge)(ge)(ge)類問題(ti)，并(bing)(bing)(bing)(bing)(bing)綜合(he)相關(guan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)定(ding)位技(ji)術對(dui)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)運(yun)輸車進(jin)行(xing)(xing)實(shi)(shi)時監控，一(yi)(yi)旦發(fa)(fa)生(sheng)任何(he)問題(ti)，都能(neng)(neng)(neng)(neng)(neng)(neng)夠及時處(chu)(chu)理和(he)調(diao)控，云(yun)(yun)(yun)(yun)(yun)(yun)計(ji)(ji)算(suan)(suan)不(bu)僅(jin)(jin)(jin)提(ti)升了物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)行(xing)(xing)業(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)展(zhan)速度(du)，也(ye)為(wei)(wei)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)整合(he)提(ti)供了基(ji)(ji)(ji)礎(chu)支持，幫助(zhu)人們利用(yong)相關(guan)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)技(ji)術實(shi)(shi)現(xian)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)共(gong)享，開放物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)平(ping)臺(tai)，并(bing)(bing)(bing)(bing)(bing)最終(zhong)實(shi)(shi)現(xian)資(zi)源(yuan)(yuan)(yuan)共(gong)享。（三）我(wo)(wo)國(guo)(guo)(guo)(guo)(guo)建立(li)農(nong)(nong)產(chan)(chan)品(pin)云(yun)(yun)(yun)(yun)(yun)(yun)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)可能(neng)(neng)(neng)(neng)(neng)(neng)性(xing)與必要(yao)性(xing)。1.我(wo)(wo)國(guo)(guo)(guo)(guo)(guo)建立(li)農(nong)(nong)產(chan)(chan)品(pin)云(yun)(yun)(yun)(yun)(yun)(yun)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)可能(neng)(neng)(neng)(neng)(neng)(neng)性(xing)。近(jin)年來(lai)(lai)，我(wo)(wo)國(guo)(guo)(guo)(guo)(guo)經濟(ji)發(fa)(fa)展(zhan)速度(du)不(bu)斷(duan)加(jia)(jia)快(kuai)，社(she)(she)會(hui)(hui)(hui)各(ge)(ge)(ge)(ge)行(xing)(xing)各(ge)(ge)(ge)(ge)業(ye)(ye)(ye)也(ye)獲得了更(geng)多(duo)(duo)(duo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)展(zhan)機遇，農(nong)(nong)產(chan)(chan)品(pin)云(yun)(yun)(yun)(yun)(yun)(yun)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)平(ping)臺(tai)就(jiu)(jiu)是(shi)(shi)在(zai)(zai)這(zhe)(zhe)樣的(de)(de)(de)(de)(de)(de)(de)(de)(de)經濟(ji)背景下(xia)形(xing)(xing)成的(de)(de)(de)(de)(de)(de)(de)(de)(de)，同時，隨(sui)著科(ke)(ke)學技(ji)術的(de)(de)(de)(de)(de)(de)(de)(de)(de)不(bu)斷(duan)進(jin)步，國(guo)(guo)(guo)(guo)(guo)家在(zai)(zai)農(nong)(nong)業(ye)(ye)(ye)發(fa)(fa)展(zhan)方(fang)面(mian)也(ye)開始予以(yi)大(da)力支持，我(wo)(wo)國(guo)(guo)(guo)(guo)(guo)農(nong)(nong)業(ye)(ye)(ye)正(zheng)在(zai)(zai)步入(ru)現(xian)代化(hua)(hua)(hua)(hua)發(fa)(fa)展(zhan)行(xing)(xing)列。在(zai)(zai)此基(ji)(ji)(ji)礎(chu)上，我(wo)(wo)國(guo)(guo)(guo)(guo)(guo)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)技(ji)術水平(ping)的(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)展(zhan)在(zai)(zai)一(yi)(yi)定(ding)程(cheng)度(du)上提(ti)升了我(wo)(wo)國(guo)(guo)(guo)(guo)(guo)電(dian)(dian)子(zi)商務的(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)展(zhan)速度(du)，并(bing)(bing)(bing)(bing)(bing)為(wei)(wei)我(wo)(wo)國(guo)(guo)(guo)(guo)(guo)農(nong)(nong)產(chan)(chan)品(pin)云(yun)(yun)(yun)(yun)(yun)(yun)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)平(ping)臺(tai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)構(gou)建奠定(ding)了堅實(shi)(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)(ji)(ji)礎(chu)，尤其(qi)是(shi)(shi)近(jin)幾年以(yi)來(lai)(lai)，農(nong)(nong)產(chan)(chan)品(pin)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)形(xing)(xing)式正(zheng)在(zai)(zai)不(bu)斷(duan)發(fa)(fa)生(sheng)變化(hua)(hua)(hua)(hua)，正(zheng)朝著科(ke)(ke)學化(hua)(hua)(hua)(hua)、信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)化(hua)(hua)(hua)(hua)的(de)(de)(de)(de)(de)(de)(de)(de)(de)方(fang)向發(fa)(fa)展(zhan)，并(bing)(bing)(bing)(bing)(bing)逐(zhu)漸(jian)完(wan)(wan)善的(de)(de)(de)(de)(de)(de)(de)(de)(de)農(nong)(nong)產(chan)(chan)品(pin)云(yun)(yun)(yun)(yun)(yun)(yun)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)平(ping)臺(tai)。2.我(wo)(wo)國(guo)(guo)(guo)(guo)(guo)建立(li)農(nong)(nong)產(chan)(chan)品(pin)云(yun)(yun)(yun)(yun)(yun)(yun)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)必要(yao)性(xing)。首先(xian)，想要(yao)不(bu)斷(duan)提(ti)升農(nong)(nong)產(chan)(chan)品(pin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)收益(yi)(yi)，就(jiu)(jiu)要(yao)不(bu)斷(duan)提(ti)升優化(hua)(hua)(hua)(hua)農(nong)(nong)村資(zi)源(yuan)(yuan)(yuan)，只(zhi)有充分(fen)(fen)(fen)(fen)利用(yong)各(ge)(ge)(ge)(ge)種(zhong)資(zi)源(yuan)(yuan)(yuan)，才能(neng)(neng)(neng)(neng)(neng)(neng)夠通(tong)過各(ge)(ge)(ge)(ge)方(fang)利益(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)連接(jie)來(lai)(lai)構(gou)建出(chu)(chu)(chu)一(yi)(yi)個(ge)(ge)完(wan)(wan)整的(de)(de)(de)(de)(de)(de)(de)(de)(de)市場(chang)資(zi)源(yuan)(yuan)(yuan)構(gou)架，并(bing)(bing)(bing)(bing)(bing)據(ju)(ju)此實(shi)(shi)現(xian)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)對(dui)稱(cheng)和(he)分(fen)(fen)(fen)(fen)享。其(qi)次(ci)，隨(sui)著電(dian)(dian)子(zi)產(chan)(chan)品(pin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)不(bu)斷(duan)出(chu)(chu)(chu)現(xian)，社(she)(she)會(hui)(hui)(hui)各(ge)(ge)(ge)(ge)行(xing)(xing)各(ge)(ge)(ge)(ge)業(ye)(ye)(ye)都開始引(yin)進(jin)各(ge)(ge)(ge)(ge)種(zhong)電(dian)(dian)子(zi)化(hua)(hua)(hua)(hua)設備，農(nong)(nong)產(chan)(chan)品(pin)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)體系開始逐(zhu)漸(jian)實(shi)(shi)現(xian)電(dian)(dian)子(zi)化(hua)(hua)(hua)(hua)，實(shi)(shi)現(xian)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)全(quan)(quan)面(mian)采(cai)(cai)集和(he)整理。最后(hou)(hou)，物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)業(ye)(ye)(ye)本身就(jiu)(jiu)追求速度(du)和(he)利潤，所以(yi)，便捷(jie)(jie)化(hua)(hua)(hua)(hua)已經成為(wei)(wei)物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)業(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)展(zhan)要(yao)求之(zhi)一(yi)(yi)，為(wei)(wei)了能(neng)(neng)(neng)(neng)(neng)(neng)夠適應當今社(she)(she)會(hui)(hui)(hui)發(fa)(fa)展(zhan)需求現(xian)狀，不(bu)斷(duan)加(jia)(jia)快(kuai)便捷(jie)(jie)式物(wu)(wu)(wu)(wu)(wu)(wu)流(liu)(liu)式發(fa)(fa)展(zhan)已經成為(wei)(wei)了一(yi)(yi)種(zhong)必然趨(qu)勢(shi)。

二、我國農產品物流模式(shi)現狀分析

1農村金融服(fu)務(wu)平(ping)臺發展現(xian)狀研究(jiu)

根據(ju)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)建設(she)主體(ti)(ti)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)不(bu)同(tong)(tong)，本文將農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)分(fen)(fen)為(wei)(wei)三大(da)(da)類，包括傳(chuan)(chuan)(chuan)統(tong)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)息(xi)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)、互(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)下(xia)(xia)(xia)(xia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)、以(yi)(yi)(yi)(yi)政府為(wei)(wei)主導的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)地(di)方(fang)性(xing)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)。1．1傳(chuan)(chuan)(chuan)統(tong)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)息(xi)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)。銀行(xing)網(wang)(wang)(wang)(wang)點在(zai)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)地(di)區(qu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)鋪設(she)可(ke)以(yi)(yi)(yi)(yi)以(yi)(yi)(yi)(yi)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)站的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)實體(ti)(ti)形式，提供必要的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)支持和(he)(he)(he)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)。與此(ci)(ci)同(tong)(tong)時(shi)，銀行(xing)性(xing)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)積(ji)極(ji)推(tui)進(jin)“互(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)化(hua)(hua)”，加速手(shou)機(ji)銀行(xing)、網(wang)(wang)(wang)(wang)上(shang)(shang)銀行(xing)、客(ke)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)中(zhong)心等(deng)線(xian)上(shang)(shang)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)升級迭代(dai)(dai)，加速開發(fa)各種APP。部分(fen)(fen)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)信(xin)(xin)(xin)(xin)用(yong)(yong)合(he)(he)(he)作(zuo)(zuo)社(she)(she)結合(he)(he)(he)當地(di)需(xu)求，積(ji)極(ji)地(di)探索互(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)三農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)路徑。江(jiang)西省聯(lian)(lian)(lian)(lian)(lian)社(she)(she)以(yi)(yi)(yi)(yi)微信(xin)(xin)(xin)(xin)作(zuo)(zuo)為(wei)(wei)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)，建設(she)了(le)百福微信(xin)(xin)(xin)(xin)銀行(xing)，實施“大(da)(da)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)＋小(xiao)銀行(xing)”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)微信(xin)(xin)(xin)(xin)營(ying)(ying)銷推(tui)廣(guang)策(ce)略。山(shan)東省農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)信(xin)(xin)(xin)(xin)用(yong)(yong)社(she)(she)聯(lian)(lian)(lian)(lian)(lian)合(he)(he)(he)社(she)(she)聊城(cheng)(cheng)(cheng)信(xin)(xin)(xin)(xin)用(yong)(yong)社(she)(she)通(tong)過(guo)“農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)綜(zong)合(he)(he)(he)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)”，一(yi)(yi)(yi)(yi)方(fang)面(mian)(mian)(mian)積(ji)極(ji)帶動自身業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)展和(he)(he)(he)推(tui)廣(guang)；另一(yi)(yi)(yi)(yi)方(fang)面(mian)(mian)(mian)為(wei)(wei)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶經(jing)營(ying)(ying)提供上(shang)(shang)下(xia)(xia)(xia)(xia)游信(xin)(xin)(xin)(xin)息(xi)，方(fang)便農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)產(chan)(chan)(chan)(chan)品輸送到城(cheng)(cheng)(cheng)市，實現城(cheng)(cheng)(cheng)鄉互(hu)(hu)(hu)通(tong)互(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)。傳(chuan)(chuan)(chuan)統(tong)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)積(ji)極(ji)探索服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)三農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)路徑，有(you)效(xiao)緩解了(le)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)地(di)區(qu)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)需(xu)求的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)壓(ya)力(li)。然(ran)而，大(da)(da)部分(fen)(fen)網(wang)(wang)(wang)(wang)上(shang)(shang)銀行(xing)、手(shou)機(ji)銀行(xing)等(deng)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)并未針對(dui)(dui)三農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)問(wen)題提供相應的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)。因此(ci)(ci)，傳(chuan)(chuan)(chuan)統(tong)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)息(xi)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)并沒有(you)真正下(xia)(xia)(xia)(xia)沉至農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)，為(wei)(wei)廣(guang)大(da)(da)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)民、農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶接(jie)受。1．2互(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)下(xia)(xia)(xia)(xia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)。（1）以(yi)(yi)(yi)(yi)螞(ma)蟻(yi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)為(wei)(wei)代(dai)(dai)表的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)互(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)巨(ju)頭(tou)打造(zao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)。首先是(shi)以(yi)(yi)(yi)(yi)互(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)巨(ju)頭(tou)為(wei)(wei)主體(ti)(ti)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)，如螞(ma)蟻(yi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)和(he)(he)(he)京東金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)。早在(zai)2014年(nian)，螞(ma)蟻(yi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)便開始布局(ju)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)，從(cong)一(yi)(yi)(yi)(yi)開始阿里的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)千縣(xian)萬(wan)村(cun)(cun)(cun)(cun)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)淘寶計劃，到現如今旺(wang)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)貸(dai)(dai)(dai)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)，旺(wang)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)保平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)和(he)(he)(he)旺(wang)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)付平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)推(tui)出，螞(ma)蟻(yi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)很早便開始布局(ju)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)市場。經(jing)歷過(guo)“線(xian)上(shang)(shang)＋線(xian)下(xia)(xia)(xia)(xia)”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)熟人(ren)模式，供應鏈產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)模式后，螞(ma)蟻(yi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)開始聯(lian)(lian)(lian)(lian)(lian)合(he)(he)(he)政府與金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)做(zuo)數(shu)(shu)據(ju)化(hua)(hua)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)模式。一(yi)(yi)(yi)(yi)方(fang)面(mian)(mian)(mian)，螞(ma)蟻(yi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)與縣(xian)域(yu)政府合(he)(he)(he)作(zuo)(zuo)，在(zai)支付寶城(cheng)(cheng)(cheng)市服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)板塊(kuai)開通(tong)縣(xian)域(yu)政府的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)專屬頁面(mian)(mian)(mian)，將當地(di)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)更(geng)多行(xing)為(wei)(wei)線(xian)上(shang)(shang)化(hua)(hua)，從(cong)而形成更(geng)多數(shu)(shu)據(ju)。另一(yi)(yi)(yi)(yi)方(fang)面(mian)(mian)(mian)，與金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)共(gong)同(tong)(tong)打造(zao)“旺(wang)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)貸(dai)(dai)(dai)聯(lian)(lian)(lian)(lian)(lian)合(he)(he)(he)放(fang)款”平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)，面(mian)(mian)(mian)向縣(xian)域(yu)及以(yi)(yi)(yi)(yi)下(xia)(xia)(xia)(xia)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)民，幫(bang)助金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)進(jin)行(xing)業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)下(xia)(xia)(xia)(xia)沉，基于(yu)互(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)和(he)(he)(he)大(da)(da)數(shu)(shu)據(ju)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)普惠金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)產(chan)(chan)(chan)(chan)品，為(wei)(wei)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)居民提供額(e)度不(bu)等(deng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)用(yong)(yong)貸(dai)(dai)(dai)款服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)。（2）以(yi)(yi)(yi)(yi)新(xin)型互(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)公司(si)為(wei)(wei)主體(ti)(ti)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)涉農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)P2P平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)。據(ju)網(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)之家研究中(zhong)心不(bu)完全統(tong)計，截至2017年(nian)10月(yue)底，有(you)131家涉及三農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)P2P平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)，占(zhan)正常運營(ying)(ying)P2P網(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)6．63％。預計2020年(nian)我(wo)國(guo)“三農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)”互(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)規模將達到3200億元。主要代(dai)(dai)表有(you)宜農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)貸(dai)(dai)(dai)、農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)分(fen)(fen)期(qi)、翼龍(long)貸(dai)(dai)(dai)、什馬(ma)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)、可(ke)牛(niu)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)等(deng)。P2P平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)面(mian)(mian)(mian)向的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)用(yong)(yong)戶群體(ti)(ti)集(ji)(ji)(ji)中(zhong)于(yu)“高級生產(chan)(chan)(chan)(chan)者”或者是(shi)想要擴(kuo)大(da)(da)生產(chan)(chan)(chan)(chan)規模的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)“自生區(qu)域(yu)”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶。以(yi)(yi)(yi)(yi)這部分(fen)(fen)人(ren)群作(zuo)(zuo)為(wei)(wei)創新(xin)性(xing)互(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)目標群體(ti)(ti)，潛在(zai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)險(xian)會(hui)比較小(xiao)一(yi)(yi)(yi)(yi)些，同(tong)(tong)時(shi)可(ke)以(yi)(yi)(yi)(yi)根據(ju)他們的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)需(xu)求階(jie)段，制定不(bu)同(tong)(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)功(gong)能模式。（3）以(yi)(yi)(yi)(yi)希望(wang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)為(wei)(wei)代(dai)(dai)表的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)傳(chuan)(chuan)(chuan)統(tong)巨(ju)頭(tou)打造(zao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)。希望(wang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)是(shi)新(xin)希望(wang)集(ji)(ji)(ji)團旗下(xia)(xia)(xia)(xia)一(yi)(yi)(yi)(yi)家農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)互(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)，業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)范圍涵蓋了(le)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)鏈金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)、農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)供應鏈金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)、農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)消(xiao)費金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)和(he)(he)(he)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)支付四大(da)(da)領域(yu)。本質上(shang)(shang)，希望(wang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)也是(shi)一(yi)(yi)(yi)(yi)家P2P平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)，其優(you)勢是(shi)新(xin)希望(wang)集(ji)(ji)(ji)團擁有(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)線(xian)下(xia)(xia)(xia)(xia)全國(guo)近有(you)600家分(fen)(fen)子(zi)公司(si)成為(wei)(wei)打通(tong)線(xian)上(shang)(shang)和(he)(he)(he)線(xian)下(xia)(xia)(xia)(xia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)雄厚資(zi)(zi)源(yuan)。（4）以(yi)(yi)(yi)(yi)政府為(wei)(wei)主導的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)地(di)方(fang)性(xing)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)。由黑龍(long)江(jiang)省農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)廳牽頭(tou)，聯(lian)(lian)(lian)(lian)(lian)合(he)(he)(he)哈爾濱工(gong)業(ye)(ye)(ye)(ye)大(da)(da)學和(he)(he)(he)建設(she)銀行(xing)黑龍(long)江(jiang)省分(fen)(fen)行(xing)，共(gong)同(tong)(tong)開發(fa)了(le)黑龍(long)江(jiang)省農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)。該平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)運用(yong)(yong)大(da)(da)數(shu)(shu)據(ju)技(ji)術，識別借款人(ren)信(xin)(xin)(xin)(xin)用(yong)(yong)，分(fen)(fen)析(xi)資(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)需(xu)求狀況，確定信(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)資(zi)(zi)格和(he)(he)(he)規模。成都市溫江(jiang)區(qu)“農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)貸(dai)(dai)(dai)通(tong)”金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)綜(zong)合(he)(he)(he)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)，建立區(qu)、鎮、村(cun)(cun)(cun)(cun)三級農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)綜(zong)合(he)(he)(he)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)中(zhong)心（站），以(yi)(yi)(yi)(yi)線(xian)上(shang)(shang)線(xian)下(xia)(xia)(xia)(xia)業(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)一(yi)(yi)(yi)(yi)體(ti)(ti)化(hua)(hua)提供融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)對(dui)(dui)接(jie)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)，實現農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)產(chan)(chan)(chan)(chan)品、信(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)需(xu)求征集(ji)(ji)(ji)、支農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)政策(ce)集(ji)(ji)(ji)成、信(xin)(xin)(xin)(xin)用(yong)(yong)信(xin)(xin)(xin)(xin)息(xi)匯集(ji)(ji)(ji)共(gong)享等(deng)功(gong)能，推(tui)動各類農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)產(chan)(chan)(chan)(chan)權(quan)“應貸(dai)(dai)(dai)盡(jin)貸(dai)(dai)(dai)”，充分(fen)(fen)激活(huo)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)產(chan)(chan)(chan)(chan)權(quan)市場。截至2018年(nian)6月(yue)，“農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)貸(dai)(dai)(dai)通(tong)”金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)綜(zong)合(he)(he)(he)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)已完成農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)產(chan)(chan)(chan)(chan)權(quan)抵押(ya)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)40筆，共(gong)計1．38億元。

2農村金融綜合(he)服務平臺需要解決(jue)的問題(ti)

第一，農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)地(di)區(qu)環境相對(dui)閉塞，信息(xi)(xi)滯后。從農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)角度看(kan)，盡(jin)管(guan)有(you)(you)各種各樣的(de)(de)(de)(de)(de)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)金(jin)(jin)融(rong)(rong)(rong)服(fu)務平(ping)(ping)臺(tai)(tai)，但是(shi)(shi)客觀(guan)上，很多農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)、農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)沒(mei)有(you)(you)渠道去了解和(he)運用這(zhe)(zhe)些平(ping)(ping)臺(tai)(tai)，對(dui)平(ping)(ping)臺(tai)(tai)的(de)(de)(de)(de)(de)接受(shou)度不(bu)高；主觀(guan)上，農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)對(dui)新鮮事物(wu)的(de)(de)(de)(de)(de)接受(shou)度不(bu)高，接受(shou)金(jin)(jin)融(rong)(rong)(rong)知識宣傳(chuan)和(he)信息(xi)(xi)普及(ji)的(de)(de)(de)(de)(de)興(xing)趣(qu)不(bu)夠(gou)。從平(ping)(ping)臺(tai)(tai)角度看(kan)，傳(chuan)統金(jin)(jin)融(rong)(rong)(rong)機(ji)(ji)(ji)構(gou)的(de)(de)(de)(de)(de)優勢是(shi)(shi)具(ju)備物(wu)理(li)網點，可(ke)(ke)以通(tong)過物(wu)理(li)網點的(de)(de)(de)(de)(de)方(fang)式聯結線上和(he)線下。但是(shi)(shi)傳(chuan)統金(jin)(jin)融(rong)(rong)(rong)機(ji)(ji)(ji)構(gou)貸款對(dui)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)的(de)(de)(de)(de)(de)要求是(shi)(shi)比較(jiao)高的(de)(de)(de)(de)(de)，農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)在(zai)信任傳(chuan)統金(jin)(jin)融(rong)(rong)(rong)專(zhuan)業性的(de)(de)(de)(de)(de)同(tong)時，又具(ju)有(you)(you)排(pai)斥感。純線上平(ping)(ping)臺(tai)(tai)降低(di)了金(jin)(jin)融(rong)(rong)(rong)服(fu)務的(de)(de)(de)(de)(de)門檻，但是(shi)(shi)沒(mei)有(you)(you)在(zai)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)地(di)區(qu)承擔(dan)起金(jin)(jin)融(rong)(rong)(rong)信息(xi)(xi)和(he)知識的(de)(de)(de)(de)(de)宣傳(chuan)推(tui)廣(guang)工作。第二，風控和(he)成(cheng)(cheng)本(ben)(ben)是(shi)(shi)影響金(jin)(jin)融(rong)(rong)(rong)機(ji)(ji)(ji)構(gou)在(zai)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)地(di)區(qu)布(bu)局的(de)(de)(de)(de)(de)重要因素。首先(xian)，農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)的(de)(de)(de)(de)(de)資產(chan)(chan)(chan)性質比較(jiao)特(te)殊，農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)通(tong)常缺乏抵押物(wu)；其次(ci)，農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)生(sheng)產(chan)(chan)(chan)經(jing)營的(de)(de)(de)(de)(de)特(te)殊性使得農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業生(sheng)產(chan)(chan)(chan)、畜牧養殖等(deng)(deng)產(chan)(chan)(chan)業面(mian)臨很多自然因素的(de)(de)(de)(de)(de)風險，風險比較(jiao)高；最后，無論是(shi)(shi)傳(chuan)統的(de)(de)(de)(de)(de)征(zheng)信報告還是(shi)(shi)大(da)數據征(zheng)信對(dui)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)、農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)的(de)(de)(de)(de)(de)覆蓋程比較(jiao)低(di)。這(zhe)(zhe)些因素導致農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)融(rong)(rong)(rong)資的(de)(de)(de)(de)(de)風險是(shi)(shi)很高的(de)(de)(de)(de)(de)。風險高帶(dai)來(lai)的(de)(de)(de)(de)(de)便是(shi)(shi)成(cheng)(cheng)本(ben)(ben)高。首先(xian)，金(jin)(jin)融(rong)(rong)(rong)機(ji)(ji)(ji)構(gou)會提高融(rong)(rong)(rong)資成(cheng)(cheng)本(ben)(ben)，這(zhe)(zhe)使得農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)貸款難(nan)上加(jia)難(nan)。其次(ci)，信貸調查成(cheng)(cheng)本(ben)(ben)、交(jiao)通(tong)成(cheng)(cheng)本(ben)(ben)、管(guan)理(li)成(cheng)(cheng)本(ben)(ben)等(deng)(deng)均會提高。螞蟻金(jin)(jin)服(fu)和(he)京東金(jin)(jin)融(rong)(rong)(rong)等(deng)(deng)依托強大(da)的(de)(de)(de)(de)(de)平(ping)(ping)臺(tai)(tai)支(zhi)持，發(fa)展大(da)數據征(zheng)信，有(you)(you)效地(di)控制了風險。而傳(chuan)統金(jin)(jin)融(rong)(rong)(rong)機(ji)(ji)(ji)構(gou)和(he)政府為主導的(de)(de)(de)(de)(de)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)金(jin)(jin)融(rong)(rong)(rong)服(fu)務平(ping)(ping)臺(tai)(tai)也可(ke)(ke)以通(tong)過線下調查的(de)(de)(de)(de)(de)方(fang)式獲得農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)信息(xi)(xi)，但是(shi)(shi)在(zai)風控和(he)成(cheng)(cheng)本(ben)(ben)控制方(fang)面(mian)依然有(you)(you)待加(jia)強的(de)(de)(de)(de)(de)。第三(san)，農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)金(jin)(jin)融(rong)(rong)(rong)市(shi)場環境不(bu)成(cheng)(cheng)熟(shu)。農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)產(chan)(chan)(chan)權價值評估機(ji)(ji)(ji)制、產(chan)(chan)(chan)權交(jiao)易及(ji)轉讓機(ji)(ji)(ji)制、產(chan)(chan)(chan)權法(fa)律維(wei)護、融(rong)(rong)(rong)資擔(dan)保(bao)機(ji)(ji)(ji)制等(deng)(deng)涉及(ji)融(rong)(rong)(rong)資的(de)(de)(de)(de)(de)各個(ge)環節尚(shang)未形(xing)成(cheng)(cheng)成(cheng)(cheng)熟(shu)的(de)(de)(de)(de)(de)體(ti)系，保(bao)險公司(si)參與(yu)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業保(bao)險的(de)(de)(de)(de)(de)熱情也不(bu)高。在(zai)這(zhe)(zhe)種環境下，每(mei)個(ge)經(jing)濟主體(ti)都存(cun)在(zai)信息(xi)(xi)孤島的(de)(de)(de)(de)(de)問題，無法(fa)打通(tong)促(cu)進(jin)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)金(jin)(jin)融(rong)(rong)(rong)交(jiao)易的(de)(de)(de)(de)(de)任督二脈。

3構(gou)建保定(ding)市農(nong)村金(jin)融(rong)綜合(he)服務平(ping)臺的對策研究

第(di)(di)(di)一(yi)，在平(ping)(ping)臺(tai)(tai)(tai)(tai)構(gou)(gou)(gou)(gou)(gou)建(jian)(jian)(jian)主體(ti)方(fang)面(mian)(mian)，采用(yong)(yong)(yong)(yong)政(zheng)府(fu)牽頭，政(zheng)、校(xiao)、企三(san)(san)者合作(zuo)的(de)(de)(de)(de)(de)模(mo)(mo)(mo)式(shi)(shi)，廣泛引進(jin)投資(zi)(zi)(zi)(zi)(zi)機(ji)(ji)構(gou)(gou)(gou)(gou)(gou)和(he)(he)(he)(he)中(zhong)介(jie)服(fu)(fu)務(wu)(wu)(wu)機(ji)(ji)構(gou)(gou)(gou)(gou)(gou)，為(wei)(wei)(wei)(wei)平(ping)(ping)臺(tai)(tai)(tai)(tai)的(de)(de)(de)(de)(de)建(jian)(jian)(jian)設提(ti)(ti)供(gong)人(ren)才(cai)、支持、資(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)支持和(he)(he)(he)(he)制度(du)保(bao)(bao)(bao)障(zhang)(zhang)。保(bao)(bao)(bao)定(ding)市政(zheng)府(fu)作(zuo)為(wei)(wei)(wei)(wei)牽頭人(ren)，與(yu)(yu)中(zhong)國人(ren)民銀行(xing)(xing)(xing)、銀監局、銀行(xing)(xing)(xing)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)(gou)(gou)共同(tong)提(ti)(ti)出農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)綜(zong)(zong)合服(fu)(fu)務(wu)(wu)(wu)平(ping)(ping)臺(tai)(tai)(tai)(tai)建(jian)(jian)(jian)設的(de)(de)(de)(de)(de)要(yao)求(qiu)，由專業的(de)(de)(de)(de)(de)互聯網技術公(gong)(gong)(gong)司進(jin)行(xing)(xing)(xing)開(kai)發，引入(ru)(ru)社(she)會(hui)投資(zi)(zi)(zi)(zi)(zi)資(zi)(zi)(zi)(zi)(zi)本為(wei)(wei)(wei)(wei)平(ping)(ping)臺(tai)(tai)(tai)(tai)項(xiang)目注入(ru)(ru)資(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)。高(gao)校(xiao)可以為(wei)(wei)(wei)(wei)線(xian)下(xia)服(fu)(fu)務(wu)(wu)(wu)網點提(ti)(ti)供(gong)人(ren)員(yuan)支撐，進(jin)行(xing)(xing)(xing)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)知識宣傳培訓(xun)(xun)；中(zhong)介(jie)服(fu)(fu)務(wu)(wu)(wu)機(ji)(ji)構(gou)(gou)(gou)(gou)(gou)可以為(wei)(wei)(wei)(wei)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶提(ti)(ti)供(gong)財(cai)(cai)務(wu)(wu)(wu)、增信(xin)(xin)(xin)(xin)(xin)(xin)(xin)等(deng)(deng)方(fang)面(mian)(mian)的(de)(de)(de)(de)(de)支持，多(duo)部門合作(zuo)，共同(tong)打造(zao)以政(zheng)府(fu)為(wei)(wei)(wei)(wei)主導、市場(chang)(chang)化和(he)(he)(he)(he)公(gong)(gong)(gong)益性相(xiang)結合的(de)(de)(de)(de)(de)平(ping)(ping)臺(tai)(tai)(tai)(tai)運營(ying)(ying)模(mo)(mo)(mo)式(shi)(shi)。第(di)(di)(di)二，打造(zao)“線(xian)上＋線(xian)下(xia)”的(de)(de)(de)(de)(de)業務(wu)(wu)(wu)和(he)(he)(he)(he)風(feng)(feng)(feng)控模(mo)(mo)(mo)式(shi)(shi)。農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)社(she)會(hui)有典型的(de)(de)(de)(de)(de)熟(shu)人(ren)特(te)征(zheng)，在構(gou)(gou)(gou)(gou)(gou)建(jian)(jian)(jian)保(bao)(bao)(bao)定(ding)市農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)綜(zong)(zong)合服(fu)(fu)務(wu)(wu)(wu)平(ping)(ping)臺(tai)(tai)(tai)(tai)的(de)(de)(de)(de)(de)同(tong)時(shi)，定(ding)點建(jian)(jian)(jian)立(li)市、縣、村(cun)(cun)(cun)(cun)三(san)(san)級農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)綜(zong)(zong)合服(fu)(fu)務(wu)(wu)(wu)站(zhan)，為(wei)(wei)(wei)(wei)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)民提(ti)(ti)供(gong)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)服(fu)(fu)務(wu)(wu)(wu)對(dui)接(jie)、金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)產(chan)(chan)(chan)品(pin)、金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)宣傳和(he)(he)(he)(he)教育(yu)培訓(xun)(xun)服(fu)(fu)務(wu)(wu)(wu)等(deng)(deng)服(fu)(fu)務(wu)(wu)(wu)，并在線(xian)下(xia)完(wan)成信(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)需求(qiu)征(zheng)集(ji)、信(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)匯總、信(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)調查、貸(dai)后(hou)(hou)清收與(yu)(yu)管(guan)理、抵質押(ya)(ya)物處置和(he)(he)(he)(he)變現工作(zuo)等(deng)(deng)。第(di)(di)(di)三(san)(san)，建(jian)(jian)(jian)立(li)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)風(feng)(feng)(feng)險(xian)(xian)(xian)防(fang)范機(ji)(ji)制。首先(xian)，建(jian)(jian)(jian)立(li)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)民和(he)(he)(he)(he)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)業經(jing)營(ying)(ying)主體(ti)的(de)(de)(de)(de)(de)征(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)體(ti)系。一(yi)方(fang)面(mian)(mian)依(yi)托央行(xing)(xing)(xing)的(de)(de)(de)(de)(de)征(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)中(zhong)心；另一(yi)方(fang)面(mian)(mian)依(yi)托線(xian)下(xia)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)綜(zong)(zong)合服(fu)(fu)務(wu)(wu)(wu)站(zhan)收集(ji)、管(guan)理農(nong)(nong)(nong)(nong)(nong)(nong)(nong)民和(he)(he)(he)(he)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶的(de)(de)(de)(de)(de)財(cai)(cai)產(chan)(chan)(chan)、收入(ru)(ru)和(he)(he)(he)(he)歷史交易信(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)，并歸檔整理，上傳到農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)(wu)(wu)平(ping)(ping)臺(tai)(tai)(tai)(tai)。其次，設立(li)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)產(chan)(chan)(chan)權(quan)(quan)抵押(ya)(ya)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)風(feng)(feng)(feng)險(xian)(xian)(xian)基(ji)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)。財(cai)(cai)政(zheng)首期(qi)出資(zi)(zi)(zi)(zi)(zi)，專項(xiang)用(yong)(yong)(yong)(yong)于(yu)收購(gou)為(wei)(wei)(wei)(wei)清償到期(qi)債務(wu)(wu)(wu)而經(jing)抵押(ya)(ya)（借貸(dai)）雙方(fang)協商(shang)一(yi)致處置的(de)(de)(de)(de)(de)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)產(chan)(chan)(chan)權(quan)(quan)抵押(ya)(ya)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)。每年(nian)根據風(feng)(feng)(feng)險(xian)(xian)(xian)基(ji)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)使用(yong)(yong)(yong)(yong)和(he)(he)(he)(he)新增農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)產(chan)(chan)(chan)權(quan)(quan)抵押(ya)(ya)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)貸(dai)款(kuan)余額(e)按比例適時(shi)補充基(ji)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)，年(nian)末節(jie)余滾存(cun)下(xia)年(nian)度(du)使用(yong)(yong)(yong)(yong)。最后(hou)(hou)，探索市場(chang)(chang)化風(feng)(feng)(feng)險(xian)(xian)(xian)分擔機(ji)(ji)制。與(yu)(yu)保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)(gong)(gong)司、銀行(xing)(xing)(xing)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)(gou)(gou)和(he)(he)(he)(he)擔保(bao)(bao)(bao)機(ji)(ji)構(gou)(gou)(gou)(gou)(gou)合作(zuo)，分擔市場(chang)(chang)風(feng)(feng)(feng)險(xian)(xian)(xian)。采用(yong)(yong)(yong)(yong)險(xian)(xian)(xian)資(zi)(zi)(zi)(zi)(zi)支農(nong)(nong)(nong)(nong)(nong)(nong)(nong)貸(dai)款(kuan)方(fang)式(shi)(shi)，以“險(xian)(xian)(xian)資(zi)(zi)(zi)(zi)(zi)直投＋信(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)保(bao)(bao)(bao)證保(bao)(bao)(bao)險(xian)(xian)(xian)／第(di)(di)(di)三(san)(san)方(fang)擔保(bao)(bao)(bao)（或政(zheng)府(fu)擔保(bao)(bao)(bao)）＋農(nong)(nong)(nong)(nong)(nong)(nong)(nong)險(xian)(xian)(xian)保(bao)(bao)(bao)障(zhang)(zhang)”的(de)(de)(de)(de)(de)運作(zuo)模(mo)(mo)(mo)式(shi)(shi)，把貸(dai)款(kuan)風(feng)(feng)(feng)險(xian)(xian)(xian)轉移(yi)到投保(bao)(bao)(bao)風(feng)(feng)(feng)險(xian)(xian)(xian)，從而使農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶無須提(ti)(ti)供(gong)抵質押(ya)(ya)物，僅(jin)需要(yao)先(xian)投保(bao)(bao)(bao)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)業保(bao)(bao)(bao)險(xian)(xian)(xian)，打破了原(yuan)來(lai)對(dui)抵質押(ya)(ya)物高(gao)標準(zhun)嚴要(yao)求(qiu)的(de)(de)(de)(de)(de)限(xian)(xian)制。依(yi)托機(ji)(ji)構(gou)(gou)(gou)(gou)(gou)的(de)(de)(de)(de)(de)同(tong)時(shi)，根據農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)熟(shu)人(ren)社(she)會(hui)效應，改善擔保(bao)(bao)(bao)方(fang)式(shi)(shi)，讓農(nong)(nong)(nong)(nong)(nong)(nong)(nong)民農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶互相(xiang)擔保(bao)(bao)(bao)，分散信(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)風(feng)(feng)(feng)險(xian)(xian)(xian)。第(di)(di)(di)四，構(gou)(gou)(gou)(gou)(gou)建(jian)(jian)(jian)以信(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)資(zi)(zi)(zi)(zi)(zi)源(yuan)子(zi)(zi)(zi)平(ping)(ping)臺(tai)(tai)(tai)(tai)為(wei)(wei)(wei)(wei)基(ji)礎，以征(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)服(fu)(fu)務(wu)(wu)(wu)子(zi)(zi)(zi)平(ping)(ping)臺(tai)(tai)(tai)(tai)和(he)(he)(he)(he)擔保(bao)(bao)(bao)服(fu)(fu)務(wu)(wu)(wu)子(zi)(zi)(zi)平(ping)(ping)臺(tai)(tai)(tai)(tai)為(wei)(wei)(wei)(wei)保(bao)(bao)(bao)障(zhang)(zhang)，以金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)產(chan)(chan)(chan)品(pin)子(zi)(zi)(zi)平(ping)(ping)臺(tai)(tai)(tai)(tai)為(wei)(wei)(wei)(wei)主體(ti)的(de)(de)(de)(de)(de)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)綜(zong)(zong)合服(fu)(fu)務(wu)(wu)(wu)平(ping)(ping)臺(tai)(tai)(tai)(tai)架構(gou)(gou)(gou)(gou)(gou)。首先(xian)，以覆蓋新聞動(dong)態(tai)、通(tong)知公(gong)(gong)(gong)告、教育(yu)培訓(xun)(xun)、行(xing)(xing)(xing)業動(dong)態(tai)、項(xiang)目公(gong)(gong)(gong)告等(deng)(deng)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)的(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)資(zi)(zi)(zi)(zi)(zi)源(yuan)平(ping)(ping)臺(tai)(tai)(tai)(tai)為(wei)(wei)(wei)(wei)基(ji)礎，從根本上普及農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)知識，提(ti)(ti)升農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)能力。其次，征(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)服(fu)(fu)務(wu)(wu)(wu)子(zi)(zi)(zi)平(ping)(ping)臺(tai)(tai)(tai)(tai)作(zuo)為(wei)(wei)(wei)(wei)風(feng)(feng)(feng)控的(de)(de)(de)(de)(de)重要(yao)的(de)(de)(de)(de)(de)環節(jie)，以收集(ji)的(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)和(he)(he)(he)(he)交易記錄為(wei)(wei)(wei)(wei)基(ji)礎，形(xing)成大數(shu)據資(zi)(zi)(zi)(zi)(zi)源(yuan)，構(gou)(gou)(gou)(gou)(gou)建(jian)(jian)(jian)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)評價。再次，引入(ru)(ru)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)中(zhong)介(jie)機(ji)(ji)構(gou)(gou)(gou)(gou)(gou)，成立(li)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔保(bao)(bao)(bao)公(gong)(gong)(gong)司，以社(she)會(hui)和(he)(he)(he)(he)政(zheng)府(fu)共同(tong)的(de)(de)(de)(de)(de)力量為(wei)(wei)(wei)(wei)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)民農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶貸(dai)款(kuan)提(ti)(ti)供(gong)擔保(bao)(bao)(bao)和(he)(he)(he)(he)增信(xin)(xin)(xin)(xin)(xin)(xin)(xin)服(fu)(fu)務(wu)(wu)(wu)，同(tong)時(shi)，與(yu)(yu)保(bao)(bao)(bao)定(ding)市農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)產(chan)(chan)(chan)權(quan)(quan)交易中(zhong)心合作(zuo)，建(jian)(jian)(jian)立(li)涉農(nong)(nong)(nong)(nong)(nong)(nong)(nong)抵貸(dai)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)處置機(ji)(ji)制，完(wan)善資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)清收和(he)(he)(he)(he)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)處置的(de)(de)(de)(de)(de)程序規范。最后(hou)(hou)，建(jian)(jian)(jian)立(li)與(yu)(yu)多(duo)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)(gou)(gou)合作(zuo)和(he)(he)(he)(he)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)業供(gong)應商(shang)合作(zuo)的(de)(de)(de)(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)產(chan)(chan)(chan)品(pin)平(ping)(ping)臺(tai)(tai)(tai)(tai)。一(yi)方(fang)面(mian)(mian)，按照(zhao)理財(cai)(cai)、貸(dai)款(kuan)、項(xiang)目融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)、農(nong)(nong)(nong)(nong)(nong)(nong)(nong)業保(bao)(bao)(bao)險(xian)(xian)(xian)等(deng)(deng)產(chan)(chan)(chan)品(pin)模(mo)(mo)(mo)塊與(yu)(yu)多(duo)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)(gou)(gou)和(he)(he)(he)(he)供(gong)應商(shang)合作(zuo)，提(ti)(ti)供(gong)豐富的(de)(de)(de)(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)產(chan)(chan)(chan)品(pin)；另一(yi)方(fang)面(mian)(mian)，根據農(nong)(nong)(nong)(nong)(nong)(nong)(nong)業生產(chan)(chan)(chan)和(he)(he)(he)(he)經(jing)營(ying)(ying)的(de)(de)(de)(de)(de)特(te)點，推動(dong)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)(gou)(gou)創新涉農(nong)(nong)(nong)(nong)(nong)(nong)(nong)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)產(chan)(chan)(chan)品(pin)和(he)(he)(he)(he)業務(wu)(wu)(wu)，推動(dong)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)(gou)(gou)在抵押(ya)(ya)擔保(bao)(bao)(bao)、額(e)度(du)、期(qi)限(xian)(xian)、償還(huan)方(fang)式(shi)(shi)等(deng)(deng)貸(dai)款(kuan)要(yao)素上不(bu)斷創新優化。

摘要:從(cong)食(shi)品安(an)全監(jian)管的(de)視角，分析了我國食(shi)品安(an)全預(yu)警(jing)信(xin)(xin)息(xi)(xi)(xi)(xi)源建設存在的(de)問題，提出(chu)構建食(shi)品安(an)全預(yu)警(jing)信(xin)(xin)息(xi)(xi)(xi)(xi)平臺(tai)的(de)解(jie)決思(si)路，以(yi)預(yu)警(jing)信(xin)(xin)息(xi)(xi)(xi)(xi)的(de)集成(cheng)為(wei)(wei)目標，構建以(yi)檢驗(yan)檢測信(xin)(xin)息(xi)(xi)(xi)(xi)為(wei)(wei)主體(ti)，稽查(cha)執法信(xin)(xin)息(xi)(xi)(xi)(xi)為(wei)(wei)補充，日(ri)常監(jian)管信(xin)(xin)息(xi)(xi)(xi)(xi)為(wei)(wei)基礎，社(she)會(hui)反饋信(xin)(xin)息(xi)(xi)(xi)(xi)為(wei)(wei)支(zhi)撐的(de)食(shi)品安(an)全預(yu)警(jing)信(xin)(xin)息(xi)(xi)(xi)(xi)平臺(tai)。

關鍵詞:食品安全(quan);預警(jing)信息;平(ping)臺(tai)構建(jian)

食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)關(guan)(guan)系廣大(da)人民群眾的(de)(de)(de)(de)身心(xin)健康，近年來我國食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)狀況有明顯改善，但并沒有得到(dao)根(gen)本扭轉，監(jian)管模式仍以(yi)事后(hou)監(jian)管和(he)被動處置為主(zhu)，監(jian)管部門經(jing)常處于被媒體(ti)(ti)(ti)和(he)輿情牽著跑的(de)(de)(de)(de)狀態(tai)。今年初，成都七(qi)中疑似食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)事件(jian)，被自媒體(ti)(ti)(ti)曝光(guang)后(hou)，幾近釀(niang)成社會事件(jian)，究其(qi)原因，主(zhu)要(yao)是(shi)食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)信(xin)(xin)息的(de)(de)(de)(de)缺(que)失和(he)滯后(hou)。國務(wu)院印發(fa)的(de)(de)(de)(de)《“十三五(wu)”國家食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)規劃》首次(ci)把預(yu)(yu)警(jing)(jing)(jing)(jing)工作(zuo)(zuo)(zuo)作(zuo)(zuo)(zuo)為食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)監(jian)管的(de)(de)(de)(de)基石和(he)重要(yao)工作(zuo)(zuo)(zuo)。食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)是(shi)指通過對(dui)食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)隱患(huan)信(xin)(xin)息的(de)(de)(de)(de)監(jian)測、追(zhui)蹤、風(feng)險評(ping)估和(he)信(xin)(xin)息通報(bao)，在問(wen)題(ti)(ti)出(chu)現之前，關(guan)(guan)注其(qi)動態(tai)，預(yu)(yu)測評(ping)估其(qi)危害，及(ji)時(shi)對(dui)潛在的(de)(de)(de)(de)食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)問(wen)題(ti)(ti)發(fa)出(chu)警(jing)(jing)(jing)(jing)報(bao)，防止食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)問(wen)題(ti)(ti)的(de)(de)(de)(de)發(fa)生［1］。近年來，國內(nei)學者對(dui)食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)工作(zuo)(zuo)(zuo)的(de)(de)(de)(de)研(yan)究，主(zhu)要(yao)聚(ju)焦于預(yu)(yu)警(jing)(jing)(jing)(jing)體(ti)(ti)(ti)系的(de)(de)(de)(de)構(gou)建，預(yu)(yu)警(jing)(jing)(jing)(jing)指標體(ti)(ti)(ti)系的(de)(de)(de)(de)設(she)(she)計，完善預(yu)(yu)警(jing)(jing)(jing)(jing)模型等［2－4］，忽略了(le)食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)信(xin)(xin)息源的(de)(de)(de)(de)研(yan)究，即缺(que)乏以(yi)預(yu)(yu)警(jing)(jing)(jing)(jing)信(xin)(xin)息為主(zhu)體(ti)(ti)(ti)，探討食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)信(xin)(xin)息源頭建設(she)(she)的(de)(de)(de)(de)研(yan)究。食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)工作(zuo)(zuo)(zuo)成效(xiao)如何，在很大(da)程度上，取決于食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)信(xin)(xin)息充(chong)分與否，因此，開(kai)展(zhan)食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)信(xin)(xin)息研(yan)究，對(dui)食(shi)(shi)品(pin)安(an)(an)(an)全(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)至(zhi)關(guan)(guan)重要(yao)。

1我(wo)國食品安全預(yu)警信息工作的現狀

我國(guo)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)工作(zuo)由(you)來已(yi)久，2007年(nian)(nian)(nian)，原(yuan)國(guo)家質(zhi)(zhi)監(jian)(jian)(jian)(jian)(jian)(jian)總局組織(zhi)開發了(le)(le)(le)(le)“快(kuai)(kuai)速預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)與(yu)快(kuai)(kuai)速反應系(xi)(xi)統(tong)(tong)(tong)(tong)”(RARSFS)，該系(xi)(xi)統(tong)(tong)(tong)(tong)采(cai)用數據動(dong)(dong)(dong)(dong)態采(cai)集(ji)機制(zhi)，構(gou)(gou)建(jian)(jian)(jian)質(zhi)(zhi)檢(jian)(jian)(jian)(jian)(jian)(jian)部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)動(dong)(dong)(dong)(dong)態監(jian)(jian)(jian)(jian)(jian)(jian)測(ce)(ce)(ce)和(he)趨勢預(yu)(yu)測(ce)(ce)(ce)網絡(luo)。同年(nian)(nian)(nian)，衛(wei)生(sheng)部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)建(jian)(jian)(jian)設食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)系(xi)(xi)統(tong)(tong)(tong)(tong)之間的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)網絡(luo)平臺(tai)，了(le)(le)(le)(le)蓖麻(ma)籽、霉甘蔗、河豚魚(yu)等(deng)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)［5］，這(zhe)(zhe)些對消費(fei)者及(ji)時(shi)提(ti)高(gao)自我保(bao)(bao)護意識，采(cai)取預(yu)(yu)防措施(shi)起到一(yi)(yi)定作(zuo)用。但是(shi)(shi)，由(you)于(yu)(yu)組織(zhi)機制(zhi)、檢(jian)(jian)(jian)(jian)(jian)(jian)測(ce)(ce)(ce)技術(shu)(shu)等(deng)方(fang)面的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)原(yuan)因(yin)，我國(guo)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)源建(jian)(jian)(jian)設還(huan)(huan)存(cun)在諸多問(wen)題。1．1食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)孤島(dao)現(xian)象嚴(yan)(yan)重，反饋(kui)(kui)與(yu)處(chu)置滯后(hou)。2003－2013年(nian)(nian)(nian)，我國(guo)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)采(cai)取的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)是(shi)(shi)多部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)分(fen)(fen)段監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)模(mo)式，原(yuan)質(zhi)(zhi)監(jian)(jian)(jian)(jian)(jian)(jian)、工商(shang)、食(shi)(shi)(shi)(shi)(shi)(shi)(shi)藥(yao)監(jian)(jian)(jian)(jian)(jian)(jian)、農(nong)業、衛(wei)生(sheng)、商(shang)務等(deng)部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)，根據各(ge)自職(zhi)(zhi)能(neng)分(fen)(fen)別監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)產業鏈中(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)一(yi)(yi)段。2013－2018年(nian)(nian)(nian)，質(zhi)(zhi)監(jian)(jian)(jian)(jian)(jian)(jian)、工商(shang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)職(zhi)(zhi)能(neng)劃歸食(shi)(shi)(shi)(shi)(shi)(shi)(shi)藥(yao)監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)。盡管(guan)(guan)(guan)(guan)(guan)各(ge)部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)都建(jian)(jian)(jian)立(li)了(le)(le)(le)(le)或大或小(xiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)系(xi)(xi)統(tong)(tong)(tong)(tong)或平臺(tai)，但由(you)于(yu)(yu)機構(gou)(gou)分(fen)(fen)割，沒(mei)有(you)(you)建(jian)(jian)(jian)立(li)跨部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)集(ji)成(cheng)(cheng)化(hua)(hua)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)平臺(tai)，預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)多處(chu)于(yu)(yu)孤島(dao)狀態，各(ge)監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)缺(que)乏(fa)聯動(dong)(dong)(dong)(dong)，無法及(ji)時(shi)捕捉食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)動(dong)(dong)(dong)(dong)態變(bian)化(hua)(hua)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)早期征(zheng)兆，預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)效(xiao)(xiao)果不(bu)(bu)理想，一(yi)(yi)旦發生(sheng)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)事(shi)(shi)(shi)(shi)件(jian)，監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)反饋(kui)(kui)遲緩、處(chu)置滯后(hou)，甚(shen)至出(chu)(chu)現(xian)互(hu)相推諉、相互(hu)扯皮現(xian)象。2018年(nian)(nian)(nian)3月(yue)，國(guo)務院(yuan)機構(gou)(gou)改(gai)革，將工商(shang)、質(zhi)(zhi)監(jian)(jian)(jian)(jian)(jian)(jian)、食(shi)(shi)(shi)(shi)(shi)(shi)(shi)藥(yao)監(jian)(jian)(jian)(jian)(jian)(jian)等(deng)部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)合并(bing)，成(cheng)(cheng)立(li)國(guo)家市(shi)(shi)(shi)(shi)場(chang)(chang)監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)總局。目(mu)前，省、市(shi)(shi)(shi)(shi)一(yi)(yi)級市(shi)(shi)(shi)(shi)場(chang)(chang)監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)局剛剛到位，全(quan)(quan)(quan)(quan)國(guo)一(yi)(yi)體(ti)化(hua)(hua)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)平臺(tai)建(jian)(jian)(jian)設尚未啟動(dong)(dong)(dong)(dong)。1．2食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)檢(jian)(jian)(jian)(jian)(jian)(jian)測(ce)(ce)(ce)技術(shu)(shu)水平落后(hou)，預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)有(you)(you)效(xiao)(xiao)性亟待提(ti)高(gao)。食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)檢(jian)(jian)(jian)(jian)(jian)(jian)測(ce)(ce)(ce)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)是(shi)(shi)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)主要(yao)來源，我國(guo)現(xian)有(you)(you)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)檢(jian)(jian)(jian)(jian)(jian)(jian)測(ce)(ce)(ce)機構(gou)(gou)一(yi)(yi)萬多家，但是(shi)(shi)，檢(jian)(jian)(jian)(jian)(jian)(jian)測(ce)(ce)(ce)技術(shu)(shu)水平參(can)差不(bu)(bu)齊，與(yu)國(guo)際(ji)先進(jin)水平還(huan)(huan)有(you)(you)一(yi)(yi)定差距，特別是(shi)(shi)市(shi)(shi)(shi)(shi)、縣級一(yi)(yi)級的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)檢(jian)(jian)(jian)(jian)(jian)(jian)測(ce)(ce)(ce)機構(gou)(gou)偏少(shao)，檢(jian)(jian)(jian)(jian)(jian)(jian)驗(yan)技術(shu)(shu)水平較低［6］。2010年(nian)(nian)(nian)發生(sheng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)“地(di)溝(gou)油”事(shi)(shi)(shi)(shi)件(jian)，引起社(she)會(hui)震(zhen)驚，究(jiu)其原(yuan)因(yin)，主要(yao)是(shi)(shi)缺(que)乏(fa)相應的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)檢(jian)(jian)(jian)(jian)(jian)(jian)測(ce)(ce)(ce)技術(shu)(shu)和(he)檢(jian)(jian)(jian)(jian)(jian)(jian)測(ce)(ce)(ce)標準，難(nan)以從檢(jian)(jian)(jian)(jian)(jian)(jian)測(ce)(ce)(ce)指(zhi)(zhi)標上(shang)區分(fen)(fen)地(di)溝(gou)油和(he)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)用油，以致(zhi)于(yu)(yu)每年(nian)(nian)(nian)有(you)(you)大量的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)地(di)溝(gou)油流(liu)(liu)回餐(can)桌［7］。還(huan)(huan)有(you)(you)少(shao)數非通(tong)(tong)用檢(jian)(jian)(jian)(jian)(jian)(jian)驗(yan)指(zhi)(zhi)標，如致(zhi)癌物質(zhi)(zhi)“二噁英(ying)”、“三氯丙(bing)醇”等(deng)，由(you)于(yu)(yu)具(ju)備(bei)檢(jian)(jian)(jian)(jian)(jian)(jian)測(ce)(ce)(ce)能(neng)力的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)機構(gou)(gou)較少(shao)，檢(jian)(jian)(jian)(jian)(jian)(jian)測(ce)(ce)(ce)費(fei)用昂(ang)貴(gui)，無法開展日常檢(jian)(jian)(jian)(jian)(jian)(jian)測(ce)(ce)(ce)。2012年(nian)(nian)(nian)香港檢(jian)(jian)(jian)(jian)(jian)(jian)測(ce)(ce)(ce)機構(gou)(gou)在國(guo)內生(sheng)產的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)某醬油中(zhong)檢(jian)(jian)(jian)(jian)(jian)(jian)測(ce)(ce)(ce)出(chu)(chu)“三氯丙(bing)醇”，引起了(le)(le)(le)(le)消費(fei)者的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)恐(kong)慌，嚴(yan)(yan)重影(ying)響了(le)(le)(le)(le)我國(guo)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)行業的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)聲(sheng)譽。1．3忽(hu)視基(ji)層執(zhi)法監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)，安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)不(bu)(bu)全(quan)(quan)(quan)(quan)面。很多造成(cheng)(cheng)惡(e)劣影(ying)響的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)事(shi)(shi)(shi)(shi)件(jian)，在事(shi)(shi)(shi)(shi)發前是(shi)(shi)有(you)(you)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)風險(xian)征(zheng)兆的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，這(zhe)(zhe)些風險(xian)苗頭(tou)，有(you)(you)一(yi)(yi)部(bu)(bu)(bu)(bu)(bu)(bu)分(fen)(fen)是(shi)(shi)可以通(tong)(tong)過基(ji)層執(zhi)法監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)檢(jian)(jian)(jian)(jian)(jian)(jian)查(cha)發現(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)。但是(shi)(shi)目(mu)前的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)情況是(shi)(shi)，執(zhi)法檢(jian)(jian)(jian)(jian)(jian)(jian)查(cha)即使發現(xian)了(le)(le)(le)(le)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)蛛絲(si)馬跡，由(you)于(yu)(yu)忽(hu)視基(ji)層一(yi)(yi)線監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)執(zhi)法信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)，加之沒(mei)有(you)(you)規(gui)范(fan)(fan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)報(bao)送渠道，缺(que)乏(fa)專(zhuan)業的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)評估分(fen)(fen)析(xi)，食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)隱患的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)蛛絲(si)馬跡最(zui)后(hou)往往變(bian)成(cheng)(cheng)了(le)(le)(le)(le)銷聲(sheng)匿跡，食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)隱患最(zui)終釀成(cheng)(cheng)了(le)(le)(le)(le)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)事(shi)(shi)(shi)(shi)件(jian)。1．4信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)交(jiao)(jiao)流(liu)(liu)機制(zhi)不(bu)(bu)完善，缺(que)乏(fa)統(tong)(tong)(tong)(tong)一(yi)(yi)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)通(tong)(tong)報(bao)平臺(tai)。我國(guo)《食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)法》要(yao)求建(jian)(jian)(jian)立(li)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)統(tong)(tong)(tong)(tong)一(yi)(yi)公(gong)布制(zhi)度，但是(shi)(shi)沒(mei)有(you)(you)制(zhi)訂(ding)明(ming)(ming)確(que)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)實施(shi)細則。實踐中(zhong)，由(you)于(yu)(yu)缺(que)乏(fa)規(gui)范(fan)(fan)化(hua)(hua)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)交(jiao)(jiao)流(liu)(liu)機制(zhi)，沒(mei)有(you)(you)統(tong)(tong)(tong)(tong)一(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)通(tong)(tong)報(bao)平臺(tai)，在通(tong)(tong)報(bao)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)時(shi)，各(ge)監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)往往只(zhi)按照(zhao)本部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)職(zhi)(zhi)責對食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)進(jin)行單獨公(gong)告，不(bu)(bu)能(neng)有(you)(you)效(xiao)(xiao)整合各(ge)個(ge)(ge)階段、各(ge)個(ge)(ge)環(huan)節、各(ge)個(ge)(ge)部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)，嚴(yan)(yan)重影(ying)響了(le)(le)(le)(le)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)整體(ti)效(xiao)(xiao)用，導致(zhi)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)時(shi)效(xiao)(xiao)性差，缺(que)乏(fa)前瞻(zhan)性預(yu)(yu)判。2008年(nian)(nian)(nian)“三鹿毒奶粉(fen)”事(shi)(shi)(shi)(shi)件(jian)中(zhong)，農(nong)委作(zuo)為(wei)原(yuan)料奶的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)，質(zhi)(zhi)監(jian)(jian)(jian)(jian)(jian)(jian)作(zuo)為(wei)奶粉(fen)生(sheng)產企業的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)，由(you)于(yu)(yu)缺(que)乏(fa)統(tong)(tong)(tong)(tong)一(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)交(jiao)(jiao)流(liu)(liu)和(he)通(tong)(tong)報(bao)平臺(tai)，兩個(ge)(ge)部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)分(fen)(fen)別通(tong)(tong)報(bao)事(shi)(shi)(shi)(shi)件(jian)調查(cha)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)，出(chu)(chu)現(xian)了(le)(le)(le)(le)明(ming)(ming)顯的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數據不(bu)(bu)一(yi)(yi)致(zhi)，失去(qu)了(le)(le)(le)(le)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)應有(you)(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)作(zuo)用。由(you)此可見(jian)，信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)管(guan)(guan)(guan)(guan)(guan)理在突發事(shi)(shi)(shi)(shi)件(jian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)管(guan)(guan)(guan)(guan)(guan)理和(he)科學(xue)決策中(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)作(zuo)用至關重要(yao)［8］。要(yao)解決食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)工作(zuo)中(zhong)存(cun)在的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)問(wen)題，必(bi)須建(jian)(jian)(jian)立(li)統(tong)(tong)(tong)(tong)一(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)平臺(tai)，系(xi)(xi)統(tong)(tong)(tong)(tong)采(cai)集(ji)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)隱患信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)，對食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)風險(xian)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)進(jin)行匯總、評估、綜(zong)合分(fen)(fen)析(xi)，及(ji)時(shi)對潛在的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)問(wen)題發出(chu)(chu)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)。2018年(nian)(nian)(nian)國(guo)家市(shi)(shi)(shi)(shi)場(chang)(chang)監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)總局的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)成(cheng)(cheng)立(li)，改(gai)變(bian)了(le)(le)(le)(le)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)多頭(tou)監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)狀態，將傳統(tong)(tong)(tong)(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)分(fen)(fen)段監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)模(mo)式轉(zhuan)變(bian)為(wei)統(tong)(tong)(tong)(tong)一(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)綜(zong)合監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)，一(yi)(yi)個(ge)(ge)大市(shi)(shi)(shi)(shi)場(chang)(chang)綜(zong)合監(jian)(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)態勢已(yi)經確(que)立(li)，這(zhe)(zhe)為(wei)構(gou)(gou)建(jian)(jian)(jian)全(quan)(quan)(quan)(quan)國(guo)一(yi)(yi)體(ti)化(hua)(hua)、各(ge)部(bu)(bu)(bu)(bu)(bu)(bu)門(men)(men)聯動(dong)(dong)(dong)(dong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)食(shi)(shi)(shi)(shi)(shi)(shi)(shi)品(pin)(pin)(pin)(pin)(pin)(pin)安(an)(an)(an)(an)(an)(an)(an)(an)(an)(an)全(quan)(quan)(quan)(quan)信(xin)(xin)(xin)(xin)息(xi)(xi)(xi)預(yu)(yu)警(jing)(jing)(jing)(jing)(jing)(jing)(jing)平臺(tai)提(ti)供了(le)(le)(le)(le)組織(zhi)保(bao)(bao)障。

2構建食品(pin)安全預警信(xin)息平臺的原則

［摘要］隨著經濟的(de)(de)(de)發(fa)展(zhan)，我(wo)國物(wu)(wu)流(liu)(liu)行業(ye)的(de)(de)(de)發(fa)展(zhan)規模(mo)不(bu)斷擴大(da)。物(wu)(wu)流(liu)(liu)成(cheng)為(wei)當前經濟發(fa)展(zhan)的(de)(de)(de)主力軍、資(zi)源交流(liu)(liu)的(de)(de)(de)重(zhong)要途(tu)徑(jing)。而科技的(de)(de)(de)發(fa)展(zhan)為(wei)物(wu)(wu)流(liu)(liu)信(xin)息(xi)平(ping)臺(tai)(tai)的(de)(de)(de)構(gou)建奠定了(le)基礎(chu)，文(wen)章將分析大(da)數據(ju)時(shi)代(dai)物(wu)(wu)流(liu)(liu)信(xin)息(xi)平(ping)臺(tai)(tai)構(gou)建與(yu)建設的(de)(de)(de)有關問題，闡(chan)述大(da)數據(ju)為(wei)物(wu)(wu)流(liu)(liu)信(xin)息(xi)平(ping)臺(tai)(tai)建設提(ti)供的(de)(de)(de)物(wu)(wu)質基礎(chu)以及建設平(ping)臺(tai)(tai)的(de)(de)(de)有效舉措(cuo)等(deng)內容。期望利用(yong)大(da)數據(ju)平(ping)臺(tai)(tai)提(ti)升物(wu)(wu)流(liu)(liu)行業(ye)的(de)(de)(de)發(fa)展(zhan)速(su)度，實(shi)現物(wu)(wu)流(liu)(liu)信(xin)息(xi)發(fa)展(zhan)的(de)(de)(de)信(xin)息(xi)化(hua)(hua)、現代(dai)化(hua)(hua)。

［關鍵詞］大數據時代;物(wu)流(liu)信(xin)息平臺;建設;信(xin)息化

城(cheng)市的(de)發展(zhan)需(xu)要(yao)物流，而物流的(de)發展(zhan)勢必(bi)需(xu)要(yao)物流公(gong)共信(xin)息(xi)平(ping)(ping)臺(tai)(tai)的(de)支持。面對(dui)日(ri)積月累的(de)各種數據，當前社會對(dui)信(xin)息(xi)技術、數據平(ping)(ping)臺(tai)(tai)的(de)需(xu)求迫切需(xu)求。因此(ci)，要(yao)對(dui)物流信(xin)息(xi)平(ping)(ping)臺(tai)(tai)的(de)構建與建設進行(xing)分析，實(shi)現(xian)物流公(gong)共信(xin)息(xi)平(ping)(ping)臺(tai)(tai)的(de)發展(zhan)，促進城(cheng)市競爭能力的(de)增強，提升國(guo)家信(xin)息(xi)化發展(zhan)的(de)速度。

1大數據對物流信息平臺(tai)建(jian)設的重要意義

時(shi)代的(de)(de)發(fa)展(zhan)(zhan)，大(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)將人(ren)們引(yin)進更(geng)科學(xue)(xue)的(de)(de)世界，并在不同領域中發(fa)揮著(zhu)重要的(de)(de)作(zuo)用。當(dang)前(qian)，學(xue)(xue)術界未能(neng)(neng)對(dui)大(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)形成一個(ge)(ge)完(wan)整的(de)(de)、權威性(xing)的(de)(de)共識。多數(shu)(shu)(shu)(shu)(shu)學(xue)(xue)者(zhe)認(ren)為大(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)具有三(san)個(ge)(ge)顯著(zhu)的(de)(de)特征，即規模性(xing)、多樣性(xing)及(ji)高速性(xing)。大(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)是人(ren)們行(xing)(xing)為的(de)(de)總結，是使(shi)用數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)庫收(shou)集處(chu)理(li)的(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)集。當(dang)前(qian)，大(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)改變(bian)(bian)著(zhu)市場(chang)組(zu)織(zhi)機構(gou)，改變(bian)(bian)著(zhu)人(ren)們的(de)(de)工(gong)作(zuo)方式(shi)以(yi)及(ji)生活內(nei)容。在當(dang)前(qian)各行(xing)(xing)業(ye)的(de)(de)發(fa)展(zhan)(zhan)中，任何人(ren)、社會(hui)、群體都(dou)是數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)的(de)(de)提(ti)供者(zhe)，也(ye)是數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)的(de)(de)使(shi)用者(zhe)。在物(wu)流行(xing)(xing)業(ye)角度來分析，有效地(di)運(yun)用大(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)組(zu)織(zhi)優(you)化(hua)運(yun)用模式(shi)，將提(ti)高組(zu)織(zhi)對(dui)人(ren)、財(cai)、物(wu)等資源的(de)(de)合理(li)分配(pei)，將提(ti)升組(zu)織(zhi)創新能(neng)(neng)力，提(ti)高組(zu)織(zhi)競爭(zheng)能(neng)(neng)力。在物(wu)流行(xing)(xing)業(ye)發(fa)展(zhan)(zhan)以(yi)來，全國已經打造了(le)十個(ge)(ge)智慧(hui)物(wu)流配(pei)送(song)示(shi)范(fan)城市、50個(ge)(ge)智慧(hui)物(wu)流配(pei)送(song)示(shi)范(fan)基地(di)。大(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)為物(wu)流行(xing)(xing)業(ye)的(de)(de)發(fa)展(zhan)(zhan)提(ti)供了(le)前(qian)所未有的(de)(de)機遇(yu)，有效提(ti)升了(le)物(wu)流的(de)(de)決策能(neng)(neng)力、推動物(wu)流運(yun)營模式(shi)的(de)(de)變(bian)(bian)革，以(yi)及(ji)大(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)對(dui)人(ren)力資源管理(li)的(de)(de)精細化(hua)處(chu)理(li)。

2物流信息平臺的基本內容(rong)

一、農村金融服務中(zhong)存在的問(wen)題

目前，大部分專業(ye)的(de)(de)(de)(de)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)(wu)(wu)平臺(tai)面(mian)(mian)向(xiang)科技型企業(ye)、中小企業(ye)的(de)(de)(de)(de)較(jiao)多(duo)，面(mian)(mian)向(xiang)農(nong)(nong)(nong)(nong)村(cun)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)較(jiao)少。且現有的(de)(de)(de)(de)農(nong)(nong)(nong)(nong)村(cun)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)(wu)(wu)平臺(tai)（如農(nong)(nong)(nong)(nong)貸網(wang)）更多(duo)的(de)(de)(de)(de)是(shi)(shi)向(xiang)全國(guo)(guo)范圍(wei)內非常(chang)(chang)成(cheng)熟的(de)(de)(de)(de)農(nong)(nong)(nong)(nong)業(ye)項目提供服(fu)(fu)(fu)務(wu)(wu)(wu)，覆蓋面(mian)(mian)雖(sui)廣卻沒有針對(dui)性(xing)和(he)(he)精準性(xing)，對(dui)于(yu)農(nong)(nong)(nong)(nong)村(cun)地(di)區缺乏金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)支(zhi)持(chi)的(de)(de)(de)(de)農(nong)(nong)(nong)(nong)戶(hu)或(huo)鄉鎮企業(ye)的(de)(de)(de)(de)支(zhi)持(chi)是(shi)(shi)非常(chang)(chang)有限的(de)(de)(de)(de)。（一）政府(fu)過度干預，市(shi)場(chang)(chang)化不(bu)足(zu)。由(you)于(yu)眾所周知的(de)(de)(de)(de)農(nong)(nong)(nong)(nong)村(cun)地(di)區融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資難(nan)、融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資貴的(de)(de)(de)(de)原(yuan)因，我國(guo)(guo)農(nong)(nong)(nong)(nong)村(cun)普惠(hui)性(xing)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)體(ti)系(xi)建(jian)設是(shi)(shi)由(you)國(guo)(guo)家政府(fu)主導的(de)(de)(de)(de)，精準扶貧也是(shi)(shi)由(you)國(guo)(guo)家政府(fu)主導的(de)(de)(de)(de)。在農(nong)(nong)(nong)(nong)村(cun)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)(wu)(wu)方(fang)面(mian)(mian)，整(zheng)體(ti)的(de)(de)(de)(de)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)機構(gou)(gou)主動進行(xing)市(shi)場(chang)(chang)化運作(zuo)的(de)(de)(de)(de)意愿和(he)(he)能力都是(shi)(shi)比較(jiao)低的(de)(de)(de)(de)，農(nong)(nong)(nong)(nong)村(cun)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)市(shi)場(chang)(chang)競(jing)爭力和(he)(he)市(shi)場(chang)(chang)活力都比較(jiao)差，農(nong)(nong)(nong)(nong)村(cun)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)(wu)(wu)于(yu)三(san)農(nong)(nong)(nong)(nong)的(de)(de)(de)(de)作(zuo)用非常(chang)(chang)有限。（二）農(nong)(nong)(nong)(nong)村(cun)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)(wu)(wu)數量和(he)(he)質量不(bu)足(zu)。較(jiao)之于(yu)城市(shi)，雖(sui)然我國(guo)(guo)農(nong)(nong)(nong)(nong)村(cun)地(di)區在金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)改革和(he)(he)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)(wu)(wu)方(fang)面(mian)(mian)取得了一定(ding)成(cheng)效，但(dan)是(shi)(shi)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)機構(gou)(gou)的(de)(de)(de)(de)數量、種類以及金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)(wu)(wu)的(de)(de)(de)(de)質量仍然相對(dui)低下。農(nong)(nong)(nong)(nong)村(cun)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)市(shi)場(chang)(chang)供求依然是(shi)(shi)不(bu)均衡的(de)(de)(de)(de)，受制于(yu)農(nong)(nong)(nong)(nong)業(ye)經營的(de)(de)(de)(de)風險和(he)(he)農(nong)(nong)(nong)(nong)戶(hu)抵質押品的(de)(de)(de)(de)限制，存在很多(duo)無法被(bei)滿足(zu)的(de)(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)資需求。隨(sui)著互聯網(wang)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)發展，有很多(duo)互聯網(wang)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)平臺(tai)下沉到農(nong)(nong)(nong)(nong)村(cun)地(di)區，但(dan)是(shi)(shi)發達地(di)區依然享有優勢(shi)，互聯網(wang)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)對(dui)農(nong)(nong)(nong)(nong)村(cun)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)貢獻有限。

二、農村(cun)金融服務平(ping)臺(tai)的模式

現(xian)在(zai)(zai)主(zhu)(zhu)要(yao)分(fen)為(wei)(wei)三種模式(shi)，分(fen)別(bie)為(wei)(wei)電商平(ping)(ping)(ping)臺(tai)、傳(chuan)(chuan)統(tong)商業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)、P2P網(wang)(wang)(wang)(wang)貸(dai)(dai)平(ping)(ping)(ping)臺(tai)。（一(yi)）以(yi)(yi)阿里、京(jing)東(dong)為(wei)(wei)代(dai)表的(de)(de)(de)(de)(de)(de)電商平(ping)(ping)(ping)臺(tai)。目(mu)前，這(zhe)(zhe)個模式(shi)競爭最(zui)(zui)厲(li)害的(de)(de)(de)(de)(de)(de)應是(shi)阿里金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)服(fu)(fu)(fu)和(he)(he)(he)(he)京(jing)東(dong)的(de)(de)(de)(de)(de)(de)京(jing)東(dong)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)。余額(e)寶在(zai)(zai)短短三年(nian)時(shi)間新增農(nong)(nong)(nong)村(cun)用(yong)(yong)(yong)戶(hu)就超(chao)過(guo)1億(yi)。另一(yi)方(fang)(fang)面(mian)(mian)(mian)，京(jing)東(dong)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)通過(guo)推出(chu)京(jing)東(dong)白條、小(xiao)額(e)信(xin)貸(dai)(dai)等金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)產(chan)(chan)品，已(yi)經(jing)覆蓋了(le)(le)(le)1，500多(duo)個縣級以(yi)(yi)上農(nong)(nong)(nong)村(cun)地(di)(di)區(qu)。面(mian)(mian)(mian)對(dui)(dui)這(zhe)(zhe)一(yi)市(shi)(shi)場(chang)(chang)(chang)(chang)差距，京(jing)東(dong)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)希望為(wei)(wei)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)提(ti)供(gong)現(xian)場(chang)(chang)(chang)(chang)開發(fa)(fa)(fa)、客(ke)(ke)(ke)(ke)(ke)戶(hu)訪(fang)問、風控(kong)(kong)(kong)、運(yun)(yun)營(ying)、研發(fa)(fa)(fa)、系統(tong)支持等服(fu)(fu)(fu)務(wu)(wu)(wu)。京(jing)東(dong)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)不(bu)(bu)依(yi)賴于(yu)(yu)大(da)(da)(da)規(gui)(gui)模的(de)(de)(de)(de)(de)(de)資(zi)(zi)產(chan)(chan)規(gui)(gui)模獲取價(jia)值，而是(shi)在(zai)(zai)未來(lai)(lai)(lai)(lai)向(xiang)(xiang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)出(chu)口資(zi)(zi)本(ben)(ben)和(he)(he)(he)(he)資(zi)(zi)產(chan)(chan)交易。該公(gong)(gong)司(si)致力于(yu)(yu)為(wei)(wei)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)提(ti)供(gong)數(shu)(shu)(shu)字、在(zai)(zai)線(xian)和(he)(he)(he)(he)離線(xian)全景(jing)服(fu)(fu)(fu)務(wu)(wu)(wu)。（二）以(yi)(yi)信(xin)用(yong)(yong)(yong)社、農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)農(nong)(nong)(nong)商等為(wei)(wei)代(dai)表的(de)(de)(de)(de)(de)(de)傳(chuan)(chuan)統(tong)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)。總的(de)(de)(de)(de)(de)(de)來(lai)(lai)(lai)(lai)說，傳(chuan)(chuan)統(tong)的(de)(de)(de)(de)(de)(de)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)模式(shi)已(yi)不(bu)(bu)能滿足強(qiang)大(da)(da)(da)的(de)(de)(de)(de)(de)(de)農(nong)(nong)(nong)村(cun)市(shi)(shi)場(chang)(chang)(chang)(chang)。互(hu)(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)由于(yu)(yu)其(qi)(qi)便(bian)利(li)性(xing)已(yi)成(cheng)為(wei)(wei)必然(ran)的(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)展(zhan)趨勢，新的(de)(de)(de)(de)(de)(de)互(hu)(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)+農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)+電子商務(wu)(wu)(wu)模式(shi)也(ye)(ye)將是(shi)科(ke)學的(de)(de)(de)(de)(de)(de)，可行(xing)(xing)(xing)(xing)(xing)性(xing)對(dui)(dui)農(nong)(nong)(nong)牧(mu)產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)鏈的(de)(de)(de)(de)(de)(de)整體改革起著(zhu)積極的(de)(de)(de)(de)(de)(de)作(zuo)(zuo)用(yong)(yong)(yong)。在(zai)(zai)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)基礎設(she)(she)施(shi)(shi)建設(she)(she)方(fang)(fang)面(mian)(mian)(mian)，傳(chuan)(chuan)統(tong)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)要(yao)擴大(da)(da)(da)資(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)投入(ru)，加(jia)(jia)大(da)(da)(da)貧困地(di)(di)區(qu)網(wang)(wang)(wang)(wang)點(dian)、ATM和(he)(he)(he)(he)社區(qu)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)建設(she)(she)，合理(li)(li)增加(jia)(jia)或(huo)(huo)調整。金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)網(wang)(wang)(wang)(wang)點(dian)要(yao)加(jia)(jia)大(da)(da)(da)POS機(ji)等設(she)(she)備的(de)(de)(de)(de)(de)(de)投入(ru)，打通金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)最(zui)(zui)后(hou)一(yi)公(gong)(gong)里。在(zai)(zai)向(xiang)(xiang)社會公(gong)(gong)眾提(ti)供(gong)準(zhun)確服(fu)(fu)(fu)務(wu)(wu)(wu)和(he)(he)(he)(he)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)訴(su)求方(fang)(fang)面(mian)(mian)(mian)，除了(le)(le)(le)為(wei)(wei)存(cun)款(kuan)(kuan)和(he)(he)(he)(he)取款(kuan)(kuan)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)提(ti)供(gong)基本(ben)(ben)服(fu)(fu)(fu)務(wu)(wu)(wu)外，還應增加(jia)(jia)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)(wu)(wu)機(ji)構(gou)和(he)(he)(he)(he)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)。還可以(yi)(yi)嘗試幫(bang)助弱勢人(ren)群開展(zhan)理(li)(li)財、貸(dai)(dai)款(kuan)(kuan)等高(gao)(gao)級別(bie)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)(wu)(wu)。根(gen)據(ju)(ju)銀(yin)(yin)(yin)(yin)(yin)監會的(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)據(ju)(ju)，中(zhong)國銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)中(zhong)小(xiao)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)款(kuan)(kuan)故障率(lv)(lv)為(wei)(wei)4.17%，高(gao)(gao)于(yu)(yu)商業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)1.6%的(de)(de)(de)(de)(de)(de)平(ping)(ping)(ping)均貸(dai)(dai)款(kuan)(kuan)故障率(lv)(lv)。小(xiao)型(xing)微型(xing)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)款(kuan)(kuan)作(zuo)(zuo)為(wei)(wei)典型(xing)的(de)(de)(de)(de)(de)(de)包容(rong)性(xing)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)，不(bu)(bu)良貸(dai)(dai)款(kuan)(kuan)率(lv)(lv)較(jiao)低，導致銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)盈利(li)能力下降。但對(dui)(dui)于(yu)(yu)互(hu)(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)來(lai)(lai)(lai)(lai)說，這(zhe)(zhe)是(shi)另一(yi)個場(chang)(chang)(chang)(chang)景(jing)：它(ta)使用(yong)(yong)(yong)大(da)(da)(da)數(shu)(shu)(shu)據(ju)(ju)畫像來(lai)(lai)(lai)(lai)控(kong)(kong)(kong)制(zhi)用(yong)(yong)(yong)戶(hu)風險(xian)，篩選出(chu)不(bu)(bu)合格的(de)(de)(de)(de)(de)(de)貸(dai)(dai)款(kuan)(kuan)用(yong)(yong)(yong)戶(hu)，并定向(xiang)(xiang)發(fa)(fa)(fa)放貸(dai)(dai)款(kuan)(kuan)。根(gen)據(ju)(ju)阿里集團在(zai)(zai)線(xian)商務(wu)(wu)(wu)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)2016年(nian)的(de)(de)(de)(de)(de)(de)年(nian)度(du)(du)報告數(shu)(shu)(shu)據(ju)(ju)，其(qi)(qi)主(zhu)(zhu)要(yao)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)面(mian)(mian)(mian)向(xiang)(xiang)小(xiao)型(xing)和(he)(he)(he)(he)微型(xing)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，不(bu)(bu)良率(lv)(lv)不(bu)(bu)到1%。從(cong)服(fu)(fu)(fu)務(wu)(wu)(wu)角度(du)(du)來(lai)(lai)(lai)(lai)看，銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)和(he)(he)(he)(he)互(hu)(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)之(zhi)間最(zui)(zui)根(gen)本(ben)(ben)的(de)(de)(de)(de)(de)(de)區(qu)別(bie)在(zai)(zai)于(yu)(yu)它(ta)是(shi)否(fou)有(you)(you)用(yong)(yong)(yong)戶(hu)的(de)(de)(de)(de)(de)(de)想法，從(cong)客(ke)(ke)(ke)(ke)(ke)戶(hu)的(de)(de)(de)(de)(de)(de)角度(du)(du)來(lai)(lai)(lai)(lai)看，所(suo)(suo)有(you)(you)這(zhe)(zhe)些(xie)都(dou)是(shi)為(wei)(wei)了(le)(le)(le)方(fang)(fang)便(bian)客(ke)(ke)(ke)(ke)(ke)戶(hu)。從(cong)監管(guan)(guan)政(zheng)策的(de)(de)(de)(de)(de)(de)角度(du)(du)來(lai)(lai)(lai)(lai)看，對(dui)(dui)于(yu)(yu)互(hu)(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)公(gong)(gong)司(si)而言，他們(men)(men)利(li)用(yong)(yong)(yong)支付業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)作(zuo)(zuo)為(wei)(wei)發(fa)(fa)(fa)展(zhan)包容(rong)性(xing)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)切入(ru)點(dian)，開拓(tuo)形(xing)勢，利(li)用(yong)(yong)(yong)免費(fei)轉移(yi)等措施(shi)(shi)吸引客(ke)(ke)(ke)(ke)(ke)戶(hu)進(jin)入(ru)，并利(li)用(yong)(yong)(yong)互(hu)(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)邏(luo)輯吸引客(ke)(ke)(ke)(ke)(ke)戶(hu)并留(liu)住客(ke)(ke)(ke)(ke)(ke)戶(hu)。然(ran)后(hou)進(jin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)利(li)可圖的(de)(de)(de)(de)(de)(de)操作(zuo)(zuo)。其(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)不(bu)(bu)受監管(guan)(guan)資(zi)(zi)本(ben)(ben)充足率(lv)(lv)、不(bu)(bu)良貸(dai)(dai)款(kuan)(kuan)和(he)(he)(he)(he)傳(chuan)(chuan)統(tong)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)機(ji)構(gou)需(xu)(xu)要(yao)遵循(xun)的(de)(de)(de)(de)(de)(de)混業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)經(jing)營(ying)的(de)(de)(de)(de)(de)(de)限制(zhi)和(he)(he)(he)(he)要(yao)求。中(zhong)國銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)監督管(guan)(guan)理(li)(li)委員會對(dui)(dui)網(wang)(wang)(wang)(wang)絡(luo)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)和(he)(he)(he)(he)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)的(de)(de)(de)(de)(de)(de)監管(guan)(guan)存(cun)在(zai)(zai)差異(yi)，使得網(wang)(wang)(wang)(wang)絡(luo)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)和(he)(he)(he)(he)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)的(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)展(zhan)權(quan)和(he)(he)(he)(he)監管(guan)(guan)不(bu)(bu)平(ping)(ping)(ping)等，銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)承擔著(zhu)更多(duo)的(de)(de)(de)(de)(de)(de)義(yi)務(wu)(wu)(wu)。監管(guan)(guan)真(zhen)空也(ye)(ye)帶(dai)動了(le)(le)(le)互(hu)(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)展(zhan)，客(ke)(ke)(ke)(ke)(ke)觀(guan)上實(shi)現(xian)了(le)(le)(le)互(hu)(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)普惠(hui)(hui)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)快速發(fa)(fa)(fa)展(zhan)。從(cong)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技的(de)(de)(de)(de)(de)(de)角度(du)(du)，與(yu)傳(chuan)(chuan)統(tong)的(de)(de)(de)(de)(de)(de)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)相比，網(wang)(wang)(wang)(wang)絡(luo)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)更有(you)(you)能力控(kong)(kong)(kong)制(zhi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技。它(ta)具(ju)有(you)(you)更低的(de)(de)(de)(de)(de)(de)運(yun)(yun)營(ying)成(cheng)本(ben)(ben)，更好的(de)(de)(de)(de)(de)(de)風險(xian)控(kong)(kong)(kong)制(zhi)和(he)(he)(he)(he)更好的(de)(de)(de)(de)(de)(de)用(yong)(yong)(yong)戶(hu)體驗(yan)。作(zuo)(zuo)為(wei)(wei)一(yi)家正規(gui)(gui)的(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)，監管(guan)(guan)要(yao)求銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)有(you)(you)一(yi)定的(de)(de)(de)(de)(de)(de)軟硬件(jian)支持。銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)經(jing)營(ying)的(de)(de)(de)(de)(de)(de)投資(zi)(zi)成(cheng)本(ben)(ben)高(gao)(gao)。即使使用(yong)(yong)(yong)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)技術(shu)，銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)也(ye)(ye)應該依(yi)賴高(gao)(gao)成(cheng)本(ben)(ben)的(de)(de)(de)(de)(de)(de)物(wu)理(li)(li)網(wang)(wang)(wang)(wang)絡(luo)。互(hu)(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)公(gong)(gong)司(si)沒(mei)有(you)(you)運(yun)(yun)營(ying)實(shi)體網(wang)(wang)(wang)(wang)點(dian)的(de)(de)(de)(de)(de)(de)成(cheng)本(ben)(ben)。他們(men)(men)利(li)用(yong)(yong)(yong)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)技術(shu)進(jin)行(xing)(xing)(xing)(xing)(xing)信(xin)息傳(chuan)(chuan)遞(di)和(he)(he)(he)(he)數(shu)(shu)(shu)據(ju)(ju)風險(xian)控(kong)(kong)(kong)制(zhi)。貸(dai)(dai)款(kuan)(kuan)資(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)來(lai)(lai)(lai)(lai)源于(yu)(yu)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)間借貸(dai)(dai)或(huo)(huo)自己的(de)(de)(de)(de)(de)(de)資(zi)(zi)本(ben)(ben)，在(zai)(zai)服(fu)(fu)(fu)務(wu)(wu)(wu)普惠(hui)(hui)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)方(fang)(fang)面(mian)(mian)(mian)甚至更為(wei)(wei)先(xian)進(jin)。（三）以(yi)(yi)農(nong)(nong)(nong)貸(dai)(dai)網(wang)(wang)(wang)(wang)、宜(yi)信(xin)為(wei)(wei)代(dai)表的(de)(de)(de)(de)(de)(de)P2P平(ping)(ping)(ping)臺(tai)。農(nong)(nong)(nong)村(cun)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)巨(ju)大(da)(da)(da)市(shi)(shi)場(chang)(chang)(chang)(chang)需(xu)(xu)求吸引了(le)(le)(le)宜(yi)信(xin)和(he)(he)(he)(he)其(qi)(qi)他平(ping)(ping)(ping)臺(tai)競爭布(bu)局。對(dui)(dui)于(yu)(yu)大(da)(da)(da)多(duo)數(shu)(shu)(shu)農(nong)(nong)(nong)民來(lai)(lai)(lai)(lai)說，他們(men)(men)需(xu)(xu)要(yao)資(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)來(lai)(lai)(lai)(lai)擴大(da)(da)(da)種植規(gui)(gui)模。P2P在(zai)(zai)一(yi)定程度(du)(du)上填補了(le)(le)(le)傳(chuan)(chuan)統(tong)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)市(shi)(shi)場(chang)(chang)(chang)(chang)空白，P2P的(de)(de)(de)(de)(de)(de)線(xian)下推廣活動也(ye)(ye)在(zai)(zai)宣傳(chuan)(chuan)中(zhong)發(fa)(fa)(fa)揮(hui)了(le)(le)(le)重要(yao)作(zuo)(zuo)用(yong)(yong)(yong)。現(xian)在(zai)(zai)城(cheng)市(shi)(shi)P2P市(shi)(shi)場(chang)(chang)(chang)(chang)趨于(yu)(yu)飽(bao)和(he)(he)(he)(he)，競爭越(yue)來(lai)(lai)(lai)(lai)越(yue)激烈，更好的(de)(de)(de)(de)(de)(de)P2P平(ping)(ping)(ping)臺(tai)將目(mu)光放在(zai)(zai)了(le)(le)(le)農(nong)(nong)(nong)村(cun)市(shi)(shi)場(chang)(chang)(chang)(chang)。中(zhong)國是(shi)一(yi)個傳(chuan)(chuan)統(tong)的(de)(de)(de)(de)(de)(de)農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)國。13億(yi)人(ren)口中(zhong)有(you)(you)9億(yi)人(ren)分(fen)布(bu)在(zai)(zai)農(nong)(nong)(nong)村(cun)地(di)(di)區(qu)。未來(lai)(lai)(lai)(lai)，它(ta)們(men)(men)不(bu)(bu)僅(jin)是(shi)我(wo)們(men)(men)經(jing)濟生產(chan)(chan)的(de)(de)(de)(de)(de)(de)主(zhu)(zhu)力軍(jun)，也(ye)(ye)是(shi)消費(fei)的(de)(de)(de)(de)(de)(de)主(zhu)(zhu)力軍(jun)。政(zheng)府惠(hui)(hui)農(nong)(nong)(nong)政(zheng)策越(yue)來(lai)(lai)(lai)(lai)越(yue)多(duo)，基礎金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)(wu)(wu)設(she)(she)施(shi)(shi)和(he)(he)(he)(he)互(hu)(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)服(fu)(fu)(fu)務(wu)(wu)(wu)設(she)(she)施(shi)(shi)也(ye)(ye)將越(yue)來(lai)(lai)(lai)(lai)越(yue)完(wan)善。目(mu)前，大(da)(da)(da)多(duo)數(shu)(shu)(shu)農(nong)(nong)(nong)村(cun)家庭都(dou)可以(yi)(yi)接入(ru)互(hu)(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)，尤其(qi)(qi)是(shi)移(yi)動互(hu)(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)(lian)(lian)網(wang)(wang)(wang)(wang)。此外，土地(di)(di)所(suo)(suo)有(you)(you)權(quan)政(zheng)策的(de)(de)(de)(de)(de)(de)逐步(bu)實(shi)施(shi)(shi)將為(wei)(wei)農(nong)(nong)(nong)民提(ti)供(gong)以(yi)(yi)市(shi)(shi)場(chang)(chang)(chang)(chang)為(wei)(wei)基礎的(de)(de)(de)(de)(de)(de)抵押，從(cong)而客(ke)(ke)(ke)(ke)(ke)觀(guan)地(di)(di)降低貸(dai)(dai)款(kuan)(kuan)風險(xian)。

三(san)、農(nong)村金融(rong)綜合(he)服(fu)務平臺構建研究

（一(yi)）業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)范(fan)圍。目前(qian)在(zai)(zai)農(nong)村(cun)(cun)金(jin)(jin)融(rong)市場上(shang)(shang)(shang)，各家金(jin)(jin)融(rong)機構(gou)都(dou)各自為營，相(xiang)互間合(he)(he)作(zuo)(zuo)較少，實質性惠(hui)(hui)(hui)民(min)的(de)(de)功(gong)(gong)(gong)能(neng)較少，不(bu)是真正(zheng)意義上(shang)(shang)(shang)的(de)(de)普惠(hui)(hui)(hui)金(jin)(jin)融(rong)。現(xian)(xian)在(zai)(zai)河北省急(ji)需(xu)搭建(jian)一(yi)個綜合(he)(he)性金(jin)(jin)融(rong)服(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)。綜合(he)(he)服(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)平(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)的(de)(de)建(jian)設(she)、運營和(he)發(fa)展不(bu)是一(yi)蹴(cu)而就的(de)(de)，而是一(yi)個長期的(de)(de)系統性工(gong)程，平(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)主(zhu)(zhu)要包(bao)括(kuo)以(yi)下(xia)：1、農(nong)牧(mu)產(chan)(chan)品(pin)(pin)(pin)線(xian)上(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)模(mo)式(shi)。農(nong)牧(mu)產(chan)(chan)品(pin)(pin)(pin)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)模(mo)式(shi)致力于將農(nong)村(cun)(cun)普遍存在(zai)(zai)集市以(yi)線(xian)上(shang)(shang)(shang)區域(yu)化的(de)(de)形式(shi)呈現(xian)(xian)在(zai)(zai)村(cun)(cun)民(min)的(de)(de)眼前(qian)。為了(le)方便快(kuai)捷滿足(zu)用(yong)(yong)(yong)戶(hu)，平(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)還提(ti)(ti)供配(pei)送服(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)。與(yu)農(nong)村(cun)(cun)各地(di)種子站、畜牧(mu)站合(he)(he)作(zuo)(zuo)，在(zai)(zai)線(xian)上(shang)(shang)(shang)購買可享一(yi)定優惠(hui)(hui)(hui)政策(ce)，還可以(yi)預訂一(yi)些未到貨的(de)(de)新品(pin)(pin)(pin)種等業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)。2、投資(zi)理(li)(li)(li)(li)(li)財(cai)保險(xian)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)。與(yu)我國各大(da)商(shang)業(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)、保險(xian)公司、證(zheng)券公司、基金(jin)(jin)公司及小額貸款公司合(he)(he)作(zuo)(zuo)，以(yi)基金(jin)(jin)、理(li)(li)(li)(li)(li)財(cai)、保險(xian)、信用(yong)(yong)(yong)卡(ka)、小額貸款、投資(zi)咨詢、理(li)(li)(li)(li)(li)財(cai)規劃等為主(zhu)(zhu)的(de)(de)金(jin)(jin)融(rong)服(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)產(chan)(chan)品(pin)(pin)(pin)為核(he)心產(chan)(chan)品(pin)(pin)(pin)，專注于為廣大(da)農(nong)村(cun)(cun)金(jin)(jin)融(rong)客戶(hu)提(ti)(ti)供個性化的(de)(de)金(jin)(jin)融(rong)服(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)和(he)投資(zi)咨詢服(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)。農(nong)村(cun)(cun)用(yong)(yong)(yong)戶(hu)更多(duo)地(di)接觸都(dou)是農(nong)牧(mu)產(chan)(chan)品(pin)(pin)(pin)，現(xian)(xian)在(zai)(zai)也(ye)有很多(duo)的(de)(de)農(nong)牧(mu)投資(zi)產(chan)(chan)品(pin)(pin)(pin)，和(he)農(nong)村(cun)(cun)金(jin)(jin)融(rong)用(yong)(yong)(yong)戶(hu)的(de)(de)生(sheng)活(huo)息(xi)息(xi)相(xiang)關，更容易(yi)被接受。3、銀(yin)(yin)行(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)。線(xian)上(shang)(shang)(shang)：整合(he)(he)銀(yin)(yin)行(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)，業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)操作(zuo)(zuo)方式(shi)更加簡(jian)單明了(le)。線(xian)下(xia)：在(zai)(zai)農(nong)村(cun)(cun)各個銀(yin)(yin)行(xing)(xing)(xing)設(she)立平(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)服(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)點，對本(ben)平(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)用(yong)(yong)(yong)戶(hu)提(ti)(ti)供銀(yin)(yin)行(xing)(xing)(xing)快(kuai)捷服(fu)(fu)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)。用(yong)(yong)(yong)戶(hu)可在(zai)(zai)線(xian)上(shang)(shang)(shang)選(xuan)擇銀(yin)(yin)行(xing)(xing)(xing)柜臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)，由平(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)駐(zhu)銀(yin)(yin)行(xing)(xing)(xing)工(gong)作(zuo)(zuo)人員(yuan)(yuan)代為操作(zuo)(zuo)，同時(shi)保證(zheng)用(yong)(yong)(yong)戶(hu)資(zi)金(jin)(jin)安全。（二(er)）平(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)的(de)(de)構(gou)建(jian)。針對農(nong)牧(mu)產(chan)(chan)品(pin)(pin)(pin)線(xian)上(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)模(mo)式(shi)，平(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)需(xu)要實現(xian)(xian)電(dian)商(shang)平(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)的(de)(de)功(gong)(gong)(gong)能(neng)。根(gen)據(ju)使(shi)用(yong)(yong)(yong)者(zhe)(zhe)的(de)(de)不(bu)同分為用(yong)(yong)(yong)戶(hu)模(mo)塊(kuai)(kuai)功(gong)(gong)(gong)能(neng)和(he)后(hou)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)管(guan)(guan)理(li)(li)(li)(li)(li)員(yuan)(yuan)模(mo)塊(kuai)(kuai)。其中(zhong)，用(yong)(yong)(yong)戶(hu)功(gong)(gong)(gong)能(neng)，包(bao)括(kuo)用(yong)(yong)(yong)戶(hu)信息(xi)管(guan)(guan)理(li)(li)(li)(li)(li)、密(mi)碼管(guan)(guan)理(li)(li)(li)(li)(li)、訂單管(guan)(guan)理(li)(li)(li)(li)(li)、地(di)址(zhi)管(guan)(guan)理(li)(li)(li)(li)(li)、積分管(guan)(guan)理(li)(li)(li)(li)(li)、站內信或者(zhe)(zhe)留言管(guan)(guan)理(li)(li)(li)(li)(li)、購物車管(guan)(guan)理(li)(li)(li)(li)(li)、產(chan)(chan)品(pin)(pin)(pin)關注收(shou)藏管(guan)(guan)理(li)(li)(li)(li)(li)等八大(da)模(mo)塊(kuai)(kuai)；后(hou)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)管(guan)(guan)理(li)(li)(li)(li)(li)員(yuan)(yuan)模(mo)塊(kuai)(kuai)，包(bao)括(kuo)產(chan)(chan)品(pin)(pin)(pin)類(lei)別和(he)產(chan)(chan)品(pin)(pin)(pin)的(de)(de)功(gong)(gong)(gong)能(neng)、后(hou)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)審核(he)功(gong)(gong)(gong)能(neng)、系統基本(ben)配(pei)置功(gong)(gong)(gong)能(neng)、后(hou)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)協助購物功(gong)(gong)(gong)能(neng)、付費功(gong)(gong)(gong)能(neng)、積分功(gong)(gong)(gong)能(neng)、團購功(gong)(gong)(gong)能(neng)、會員(yuan)(yuan)權限功(gong)(gong)(gong)能(neng)管(guan)(guan)理(li)(li)(li)(li)(li)、在(zai)(zai)線(xian)交流系統等九大(da)模(mo)塊(kuai)(kuai)。針對投資(zi)理(li)(li)(li)(li)(li)財(cai)保險(xian)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)和(he)銀(yin)(yin)行(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)，平(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)需(xu)要接入合(he)(he)作(zuo)(zuo)保險(xian)公司和(he)銀(yin)(yin)行(xing)(xing)(xing)等企(qi)業(ye)(ye)(ye)(ye)(ye)的(de)(de)網(wang)站。同時(shi)，設(she)置信息(xi)宣傳和(he)通知模(mo)塊(kuai)(kuai)，供使(shi)用(yong)(yong)(yong)者(zhe)(zhe)了(le)解(jie)更多(duo)的(de)(de)金(jin)(jin)融(rong)信息(xi)和(he)金(jin)(jin)融(rong)產(chan)(chan)品(pin)(pin)(pin)，以(yi)實現(xian)(xian)普惠(hui)(hui)(hui)金(jin)(jin)融(rong)、精準扶貧的(de)(de)目的(de)(de)。

“用戶(hu)生(sheng)成內(nei)容”（User-GeneratedContent，UGC）即在“Web2.0環境下出現(xian)的一種(zhong)新(xin)興的網(wang)(wang)絡信息資源創作與組織模式(shi)，泛(fan)指(zhi)以任何(he)形式(shi)在網(wang)(wang)絡上(shang)發表的由用戶(hu)創作的文字、圖片、音(yin)頻、視頻等(deng)內(nei)容”。2005年，有(you)“互聯(lian)網(wang)(wang)女皇”之稱的摩根(gen)士丹(dan)利首(shou)席分析師MaryMeeker首(shou)次提(ti)出這一術(shu)語。其產生(sheng)后受到(dao)PC、IP端(duan)用戶(hu)的廣泛(fan)喜愛，涌現(xian)出好(hao)友社交、視頻分享、照片分享、知識(shi)分享等(deng)多(duo)類(lei)型UGC網(wang)(wang)站，且擁有(you)廣泛(fan)的受眾基礎，蘊含巨(ju)大的經濟、社會效益。

用戶生成內容理念給檔案工作帶來的改(gai)變

1.UGC為(wei)(wei)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)資(zi)源(yuan)體系優(you)化(hua)帶來(lai)“來(lai)而(er)不可(ke)(ke)失”之(zhi)(zhi)時由(you)于身份性(xing)(xing)(xing)格(ge)、知(zhi)識結構、學歷層次、專(zhuan)(zhuan)業背景、創(chuang)造內容動機(ji)不同等(deng)原因，用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)生成(cheng)的(de)(de)(de)(de)(de)(de)信(xin)息(xi)資(zi)源(yuan)具有(you)(you)多(duo)元的(de)(de)(de)(de)(de)(de)風格(ge)與(yu)(yu)(yu)(yu)特色，其有(you)(you)利(li)于豐富館(guan)藏資(zi)源(yuan)，助(zhu)推(tui)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)資(zi)源(yuan)體系的(de)(de)(de)(de)(de)(de)優(you)化(hua)。如(ru)(ru)美國華盛頓州(zhou)(zhou)數字檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)館(guan)在門(men)戶(hu)(hu)網(wang)站為(wei)(wei)用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)開(kai)(kai)(kai)通(tong)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)傳送(song)渠(qu)道，用(yong)(yong)(yong)(yong)(yong)于收集(ji)本州(zhou)(zhou)的(de)(de)(de)(de)(de)(de)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)、照片等(deng)，并在整理(li)后形(xing)成(cheng)正式(shi)(shi)的(de)(de)(de)(de)(de)(de)官方資(zi)料；中(zhong)國人民(min)大學人文(wen)北(bei)京(jing)(jing)研究中(zhong)心(xin)建構的(de)(de)(de)(de)(de)(de)“我(wo)的(de)(de)(de)(de)(de)(de)北(bei)京(jing)(jing)記(ji)憶(yi)”網(wang)站，鼓勵(li)公(gong)(gong)(gong)(gong)(gong)眾(zhong)(zhong)捕捉、記(ji)錄與(yu)(yu)(yu)(yu)北(bei)京(jing)(jing)有(you)(you)關(guan)的(de)(de)(de)(de)(de)(de)珍貴瞬間和(he)(he)記(ji)憶(yi)，目前已添加(jia)1041篇文(wen)集(ji)、8671張圖片、426個視頻。2.UGC為(wei)(wei)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)利(li)用(yong)(yong)(yong)(yong)(yong)服(fu)務(wu)升級帶來(lai)“蹈而(er)不可(ke)(ke)失”之(zhi)(zhi)機(ji)UGC的(de)(de)(de)(de)(de)(de)應(ying)(ying)用(yong)(yong)(yong)(yong)(yong)開(kai)(kai)(kai)拓了(le)(le)(le)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)利(li)用(yong)(yong)(yong)(yong)(yong)新(xin)思(si)路，如(ru)(ru)廣東(dong)省檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)館(guan)官網(wang)“公(gong)(gong)(gong)(gong)(gong)眾(zhong)(zhong)參與(yu)(yu)(yu)(yu)”欄下設的(de)(de)(de)(de)(de)(de)“智能(neng)互動”和(he)(he)“我(wo)要提問”版塊，強(qiang)化(hua)了(le)(le)(le)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)館(guan)與(yu)(yu)(yu)(yu)用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)的(de)(de)(de)(de)(de)(de)聯系與(yu)(yu)(yu)(yu)溝(gou)通(tong)，豐富了(le)(le)(le)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)利(li)用(yong)(yong)(yong)(yong)(yong)形(xing)式(shi)(shi)。隨著(zhu)多(duo)元化(hua)互動實(shi)(shi)踐(jian)的(de)(de)(de)(de)(de)(de)開(kai)(kai)(kai)展(zhan)，檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)部(bu)門(men)能(neng)夠獲取(qu)用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)的(de)(de)(de)(de)(de)(de)偏好和(he)(he)行為(wei)(wei)習慣，有(you)(you)針對性(xing)(xing)(xing)地推(tui)送(song)相關(guan)信(xin)息(xi)，使用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)更加(jia)高(gao)(gao)效(xiao)地利(li)用(yong)(yong)(yong)(yong)(yong)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)資(zi)源(yuan)，提高(gao)(gao)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)利(li)用(yong)(yong)(yong)(yong)(yong)的(de)(de)(de)(de)(de)(de)質量與(yu)(yu)(yu)(yu)水平，進而(er)實(shi)(shi)現檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)利(li)用(yong)(yong)(yong)(yong)(yong)服(fu)務(wu)升級。如(ru)(ru)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)管理(li)人員對某(mou)些檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)關(guan)鍵詞的(de)(de)(de)(de)(de)(de)提取(qu)并不一(yi)定符合大眾(zhong)(zhong)的(de)(de)(de)(de)(de)(de)檢(jian)索(suo)習慣，導致部(bu)分(fen)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)查(cha)準率不高(gao)(gao)，UGC應(ying)(ying)用(yong)(yong)(yong)(yong)(yong)中(zhong)，用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)可(ke)(ke)參與(yu)(yu)(yu)(yu)部(bu)分(fen)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)信(xin)息(xi)資(zi)源(yuan)的(de)(de)(de)(de)(de)(de)著(zhu)錄過(guo)程(cheng)，使檢(jian)索(suo)詞更加(jia)貼(tie)近大眾(zhong)(zhong)檢(jian)索(suo)需求，有(you)(you)助(zhu)于提高(gao)(gao)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)的(de)(de)(de)(de)(de)(de)查(cha)準率。3.UGC為(wei)(wei)公(gong)(gong)(gong)(gong)(gong)民(min)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)員培(pei)育帶來(lai)“欲流之(zhi)(zhi)遠”之(zhi)(zhi)源(yuan)公(gong)(gong)(gong)(gong)(gong)民(min)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)員即“沒有(you)(you)經過(guo)專(zhuan)(zhuan)門(men)的(de)(de)(de)(de)(de)(de)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)管理(li)訓練，或(huo)不是(shi)專(zhuan)(zhuan)門(men)從事檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)事業但是(shi)參與(yu)(yu)(yu)(yu)到(dao)與(yu)(yu)(yu)(yu)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)管理(li)相關(guan)任務(wu)的(de)(de)(de)(de)(de)(de)志愿者(zhe)或(huo)志愿者(zhe)團體”。傳統(tong)的(de)(de)(de)(de)(de)(de)線下公(gong)(gong)(gong)(gong)(gong)民(min)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)員實(shi)(shi)踐(jian)需要公(gong)(gong)(gong)(gong)(gong)民(min)到(dao)館(guan)參與(yu)(yu)(yu)(yu)，UGC應(ying)(ying)用(yong)(yong)(yong)(yong)(yong)中(zhong)的(de)(de)(de)(de)(de)(de)公(gong)(gong)(gong)(gong)(gong)民(min)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)員實(shi)(shi)踐(jian)打(da)破了(le)(le)(le)時空限制，更多(duo)依托(tuo)于互聯網(wang)展(zhan)開(kai)(kai)(kai)，如(ru)(ru)遼寧(ning)省檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)館(guan)的(de)(de)(de)(de)(de)(de)“社會檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)人”項目，倡(chang)導公(gong)(gong)(gong)(gong)(gong)眾(zhong)(zhong)通(tong)過(guo)網(wang)絡平臺參與(yu)(yu)(yu)(yu)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)相關(guan)詞條的(de)(de)(de)(de)(de)(de)編(bian)輯。用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)通(tong)過(guo)強(qiang)趣味性(xing)(xing)(xing)、娛(yu)樂性(xing)(xing)(xing)和(he)(he)互動性(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)方式(shi)(shi)廣泛參與(yu)(yu)(yu)(yu)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)的(de)(de)(de)(de)(de)(de)收集(ji)、整理(li)、利(li)用(yong)(yong)(yong)(yong)(yong)等(deng)環節，從檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)的(de)(de)(de)(de)(de)(de)被動接受(shou)者(zhe)變成(cheng)主(zhu)動創(chuang)造者(zhe)，為(wei)(wei)公(gong)(gong)(gong)(gong)(gong)民(min)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)(an)(an)(an)(an)(an)(an)(an)員培(pei)育帶來(lai)“欲流之(zhi)(zhi)遠”之(zhi)(zhi)源(yuan)。

檔案信(xin)息資源平臺建(jian)構

檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)部門(men)的(de)(de)(de)(de)(de)UGC實踐多依托(tuo)于(yu)(yu)門(men)戶(hu)(hu)網(wang)(wang)站(zhan)、微博、微信(xin)等(deng)(deng)(deng)平(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)展開(kai)，UGC平(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)“具有(you)(you)(you)(you)宣傳(chuan)(chuan)、互(hu)動交(jiao)(jiao)流、支付及(ji)申訴(su)等(deng)(deng)(deng)附屬(shu)功(gong)(gong)能(neng)，允許網(wang)(wang)絡大(da)眾對(dui)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)字(zi)(zi)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)進(jin)行轉(zhuan)錄(lu)、貼標(biao)簽(qian)、編(bian)輯等(deng)(deng)(deng)，允許參(can)與(yu)(yu)者(zhe)建言(yan)獻策，利用(yong)(yong)(yong)(yong)(yong)網(wang)(wang)絡的(de)(de)(de)(de)(de)發(fa)(fa)(fa)(fa)散性思維促(cu)進(jin)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)學學科的(de)(de)(de)(de)(de)創新(xin)(xin)”。為(wei)構(gou)(gou)(gou)(gou)建具備這(zhe)一(yi)功(gong)(gong)能(neng)的(de)(de)(de)(de)(de)UGC平(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)，中(zhong)國(guo)海洋(yang)大(da)學的(de)(de)(de)(de)(de)UGC平(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)建設(she)(she)走過(guo)(guo)(guo)(guo)了(le)一(yi)個從(cong)(cong)無(wu)到(dao)有(you)(you)(you)(you)、從(cong)(cong)面(mian)(mian)向(xiang)(xiang)“小眾”到(dao)面(mian)(mian)向(xiang)(xiang)“大(da)眾”的(de)(de)(de)(de)(de)初(chu)建、進(jin)階過(guo)(guo)(guo)(guo)程，現(xian)已(yi)建構(gou)(gou)(gou)(gou)出獨(du)立的(de)(de)(de)(de)(de)專(zhuan)(zhuan)門(men)UGC平(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)。1.從(cong)(cong)無(wu)到(dao)有(you)(you)(you)(you)：檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)歸(gui)(gui)檔(dang)(dang)(dang)(dang)(dang)(dang)UGC平(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)的(de)(de)(de)(de)(de)初(chu)建21世紀初(chu)，為(wei)探索(suo)(suo)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)字(zi)(zi)化實踐，中(zhong)國(guo)海洋(yang)大(da)學推(tui)進(jin)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)的(de)(de)(de)(de)(de)建設(she)(she)。該(gai)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)基(ji)于(yu)(yu)SQLServer數(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)庫，采(cai)用(yong)(yong)(yong)(yong)(yong)SQL、VB編(bian)目語言(yan)開(kai)發(fa)(fa)(fa)(fa)的(de)(de)(de)(de)(de)C/S結(jie)構(gou)(gou)(gou)(gou)，能(neng)夠(gou)實現(xian)Windows操(cao)(cao)作(zuo)(zuo)(zuo)(zuo)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)下(xia)(xia)(xia)的(de)(de)(de)(de)(de)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)收(shou)集(ji)(ji)(ji)、整理(li)(li)(li)(li)(li)(li)(li)、移(yi)(yi)交(jiao)(jiao)、歸(gui)(gui)檔(dang)(dang)(dang)(dang)(dang)(dang)、統(tong)(tong)(tong)(tong)計(ji)(ji)等(deng)(deng)(deng)過(guo)(guo)(guo)(guo)程的(de)(de)(de)(de)(de)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)和(he)控制(zhi)，定向(xiang)(xiang)UGC用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)可(ke)(ke)在(zai)(zai)(zai)此(ci)平(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)完(wan)成(cheng)(cheng)(cheng)(cheng)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)著(zhu)(zhu)(zhu)錄(lu)。2.從(cong)(cong)面(mian)(mian)向(xiang)(xiang)“小眾”到(dao)面(mian)(mian)向(xiang)(xiang)“大(da)眾”：檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)歸(gui)(gui)檔(dang)(dang)(dang)(dang)(dang)(dang)UGC平(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)的(de)(de)(de)(de)(de)進(jin)階隨著(zhu)(zhu)(zhu)電子(zi)文(wen)件(jian)(jian)(jian)的(de)(de)(de)(de)(de)大(da)量(liang)產生(sheng)(sheng)，原管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)平(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)已(yi)無(wu)法滿(man)足工(gong)作(zuo)(zuo)(zuo)(zuo)需(xu)求(qiu)，中(zhong)國(guo)海洋(yang)大(da)學于(yu)(yu)2017年(nian)搭(da)建了(le)新(xin)(xin)一(yi)代檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)平(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)。檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)以Java+MVC+Mybatis進(jin)行開(kai)發(fa)(fa)(fa)(fa)，作(zuo)(zuo)(zuo)(zuo)為(wei)全(quan)B/S結(jie)構(gou)(gou)(gou)(gou)的(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)字(zi)(zi)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)，支持(chi)(chi)Linux、Windows等(deng)(deng)(deng)操(cao)(cao)作(zuo)(zuo)(zuo)(zuo)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)，提供(gong)完(wan)備API外(wai)部接(jie)(jie)口(kou)，支持(chi)(chi)多系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)之間的(de)(de)(de)(de)(de)集(ji)(ji)(ji)成(cheng)(cheng)(cheng)(cheng)和(he)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)推(tui)送，實現(xian)對(dui)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)的(de)(de)(de)(de)(de)收(shou)集(ji)(ji)(ji)、整理(li)(li)(li)(li)(li)(li)(li)、移(yi)(yi)交(jiao)(jiao)、歸(gui)(gui)檔(dang)(dang)(dang)(dang)(dang)(dang)、統(tong)(tong)(tong)(tong)計(ji)(ji)、利用(yong)(yong)(yong)(yong)(yong)等(deng)(deng)(deng)進(jin)行全(quan)過(guo)(guo)(guo)(guo)程可(ke)(ke)視(shi)化管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)和(he)監(jian)控。與(yu)(yu)原檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)面(mian)(mian)向(xiang)(xiang)“小眾”的(de)(de)(de)(de)(de)C/S結(jie)構(gou)(gou)(gou)(gou)相比，現(xian)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)的(de)(de)(de)(de)(de)B/S結(jie)構(gou)(gou)(gou)(gou)有(you)(you)(you)(you)助于(yu)(yu)實現(xian)面(mian)(mian)向(xiang)(xiang)“大(da)眾”的(de)(de)(de)(de)(de)UGC應(ying)用(yong)(yong)(yong)(yong)(yong)。3.從(cong)(cong)附屬(shu)到(dao)獨(du)立：專(zhuan)(zhuan)門(men)UGC平(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)的(de)(de)(de)(de)(de)落成(cheng)(cheng)(cheng)(cheng)為(wei)多元化UGC參(can)與(yu)(yu)者(zhe)、豐(feng)富UGC內(nei)(nei)(nei)容、優(you)化館藏結(jie)構(gou)(gou)(gou)(gou)，中(zhong)國(guo)海洋(yang)大(da)學檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)館在(zai)(zai)(zai)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)之外(wai)開(kai)辟了(le)獨(du)立UGC平(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)—信(xin)息(xi)(xi)(xi)征(zheng)集(ji)(ji)(ji)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)。（1）技(ji)術(shu)層面(mian)(mian)信(xin)息(xi)(xi)(xi)征(zheng)集(ji)(ji)(ji)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)基(ji)于(yu)(yu)Java開(kai)發(fa)(fa)(fa)(fa)，采(cai)用(yong)(yong)(yong)(yong)(yong)SpringMVC技(ji)術(shu)框架，運用(yong)(yong)(yong)(yong)(yong)Redis數(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)緩存、全(quan)文(wen)檢(jian)索(suo)(suo)、圖(tu)片(pian)(pian)檢(jian)索(suo)(suo)等(deng)(deng)(deng)技(ji)術(shu)。系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)的(de)(de)(de)(de)(de)開(kai)發(fa)(fa)(fa)(fa)嚴格基(ji)于(yu)(yu)MVC的(de)(de)(de)(de)(de)三(san)層體系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)企業(ye)級架構(gou)(gou)(gou)(gou)，即(ji)視(shi)圖(tu)層、控制(zhi)層和(he)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)層相互(hu)分(fen)(fen)(fen)離。Web服務(wu)采(cai)用(yong)(yong)(yong)(yong)(yong)Apache直接(jie)(jie)面(mian)(mian)向(xiang)(xiang)用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)，支持(chi)(chi)用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)的(de)(de)(de)(de)(de)網(wang)(wang)站(zhan)頁(ye)面(mian)(mian)訪(fang)問和(he)內(nei)(nei)(nei)容下(xia)(xia)(xia)載；應(ying)用(yong)(yong)(yong)(yong)(yong)服務(wu)采(cai)用(yong)(yong)(yong)(yong)(yong)Tomcat，是系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)的(de)(de)(de)(de)(de)核(he)(he)(he)(he)(he)心(xin)。運用(yong)(yong)(yong)(yong)(yong)這(zhe)一(yi)架構(gou)(gou)(gou)(gou)將“業(ye)務(wu)邏輯”部分(fen)(fen)(fen)從(cong)(cong)Web服務(wu)器(qi)(qi)中(zhong)分(fen)(fen)(fen)出，在(zai)(zai)(zai)應(ying)用(yong)(yong)(yong)(yong)(yong)服務(wu)器(qi)(qi)中(zhong)采(cai)用(yong)(yong)(yong)(yong)(yong)獨(du)立和(he)完(wan)整的(de)(de)(de)(de)(de)編(bian)程語言(yan)開(kai)發(fa)(fa)(fa)(fa)應(ying)用(yong)(yong)(yong)(yong)(yong)程序，同時使系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)支持(chi)(chi)任(ren)意HTML的(de)(de)(de)(de)(de)顯示(shi)工(gong)具。利用(yong)(yong)(yong)(yong)(yong)應(ying)用(yong)(yong)(yong)(yong)(yong)服務(wu)器(qi)(qi)作(zuo)(zuo)(zuo)(zuo)為(wei)訪(fang)問數(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)庫請(qing)求(qiu)的(de)(de)(de)(de)(de)“緩沖區”，可(ke)(ke)提高系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)響應(ying)訪(fang)問數(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)庫請(qing)求(qiu)的(de)(de)(de)(de)(de)速度和(he)效(xiao)率，并能(neng)與(yu)(yu)其他應(ying)用(yong)(yong)(yong)(yong)(yong)有(you)(you)(you)(you)效(xiao)和(he)無(wu)縫集(ji)(ji)(ji)成(cheng)(cheng)(cheng)(cheng)。（2）應(ying)用(yong)(yong)(yong)(yong)(yong)層面(mian)(mian)信(xin)息(xi)(xi)(xi)征(zheng)集(ji)(ji)(ji)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)包含系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)、文(wen)件(jian)(jian)(jian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)等(deng)(deng)(deng)模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)，各模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)功(gong)(gong)能(neng)如圖(tu)1所(suo)示(shi)：第(di)(di)一(yi)，系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)下(xia)(xia)(xia)設(she)(she)資(zi)源管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)、角色管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)等(deng)(deng)(deng)8個子(zi)模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)。資(zi)源管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)子(zi)模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)可(ke)(ke)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)后臺(tai)(tai)所(suo)有(you)(you)(you)(you)資(zi)源，用(yong)(yong)(yong)(yong)(yong)于(yu)(yu)新(xin)(xin)增(zeng)、調整模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)結(jie)構(gou)(gou)(gou)(gou)、層次及(ji)功(gong)(gong)能(neng)模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)URL配置(zhi)。角色管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)子(zi)模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)可(ke)(ke)進(jin)行角色新(xin)(xin)增(zeng)、修(xiu)改、刪除(chu)等(deng)(deng)(deng)操(cao)(cao)作(zuo)(zuo)(zuo)(zuo)，目前系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)中(zhong)設(she)(she)有(you)(you)(you)(you)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)員(yuan)(yuan)、教師(shi)、班(ban)級、在(zai)(zai)(zai)校生(sheng)(sheng)用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)及(ji)社會人(ren)員(yuan)(yuan)5類(lei)(lei)角色，根據(ju)(ju)(ju)角色特點動態(tai)分(fen)(fen)(fen)配角色權(quan)限。用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)子(zi)模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)，對(dui)通(tong)(tong)(tong)過(guo)(guo)(guo)(guo)與(yu)(yu)業(ye)務(wu)集(ji)(ji)(ji)成(cheng)(cheng)(cheng)(cheng)自(zi)動生(sheng)(sheng)成(cheng)(cheng)(cheng)(cheng)的(de)(de)(de)(de)(de)用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)，可(ke)(ke)對(dui)其進(jin)行編(bian)輯、刪除(chu)、啟用(yong)(yong)(yong)(yong)(yong)/禁用(yong)(yong)(yong)(yong)(yong)等(deng)(deng)(deng)操(cao)(cao)作(zuo)(zuo)(zuo)(zuo)，并根據(ju)(ju)(ju)需(xu)求(qiu)新(xin)(xin)增(zeng)用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)。菜單管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)子(zi)模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)前臺(tai)(tai)首頁(ye)菜單，通(tong)(tong)(tong)過(guo)(guo)(guo)(guo)菜單通(tong)(tong)(tong)知UGC生(sheng)(sheng)成(cheng)(cheng)(cheng)(cheng)文(wen)件(jian)(jian)(jian)分(fen)(fen)(fen)類(lei)(lei)及(ji)對(dui)應(ying)的(de)(de)(de)(de)(de)檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)分(fen)(fen)(fen)類(lei)(lei)號。水(shui)印管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)設(she)(she)置(zhi)水(shui)印參(can)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)。系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)參(can)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)子(zi)模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)可(ke)(ke)動態(tai)設(she)(she)置(zhi)平(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)基(ji)本參(can)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)。數(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)字(zi)(zi)典子(zi)模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)可(ke)(ke)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)基(ji)本數(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)信(xin)息(xi)(xi)(xi)，并根據(ju)(ju)(ju)需(xu)要(yao)(yao)自(zi)定義設(she)(she)置(zhi)。上(shang)傳(chuan)(chuan)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)子(zi)模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)，用(yong)(yong)(yong)(yong)(yong)于(yu)(yu)控制(zhi)平(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)上(shang)傳(chuan)(chuan)圖(tu)片(pian)(pian)、視(shi)頻(pin)(pin)、音(yin)(yin)頻(pin)(pin)等(deng)(deng)(deng)文(wen)件(jian)(jian)(jian)的(de)(de)(de)(de)(de)格式及(ji)大(da)小。第(di)(di)二，文(wen)件(jian)(jian)(jian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)。該(gai)模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)用(yong)(yong)(yong)(yong)(yong)于(yu)(yu)查看(kan)平(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)所(suo)有(you)(you)(you)(you)文(wen)件(jian)(jian)(jian)并按(an)專(zhuan)(zhuan)題(ti)(ti)有(you)(you)(you)(you)序化UGC內(nei)(nei)(nei)容。第(di)(di)三(san)，綜合審(shen)(shen)核(he)(he)(he)(he)(he)。包含4個子(zi)模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)——征(zheng)集(ji)(ji)(ji)審(shen)(shen)核(he)(he)(he)(he)(he)、下(xia)(xia)(xia)載審(shen)(shen)核(he)(he)(he)(he)(he)、標(biao)簽(qian)審(shen)(shen)核(he)(he)(he)(he)(he)、用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)審(shen)(shen)核(he)(he)(he)(he)(he)，管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)員(yuan)(yuan)可(ke)(ke)對(dui)UGC內(nei)(nei)(nei)容進(jin)行查看(kan)并提出審(shen)(shen)核(he)(he)(he)(he)(he)意見。第(di)(di)四，專(zhuan)(zhuan)題(ti)(ti)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)。管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)員(yuan)(yuan)將通(tong)(tong)(tong)過(guo)(guo)(guo)(guo)審(shen)(shen)核(he)(he)(he)(he)(he)的(de)(de)(de)(de)(de)UGC內(nei)(nei)(nei)容發(fa)(fa)(fa)(fa)布(bu)到(dao)“專(zhuan)(zhuan)題(ti)(ti)”，發(fa)(fa)(fa)(fa)布(bu)成(cheng)(cheng)(cheng)(cheng)功(gong)(gong)后支持(chi)(chi)用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)的(de)(de)(de)(de)(de)瀏(liu)覽、搜(sou)索(suo)(suo)、下(xia)(xia)(xia)載、收(shou)藏等(deng)(deng)(deng)操(cao)(cao)作(zuo)(zuo)(zuo)(zuo)。第(di)(di)五，聲像歸(gui)(gui)檔(dang)(dang)(dang)(dang)(dang)(dang)。即(ji)將信(xin)息(xi)(xi)(xi)征(zheng)集(ji)(ji)(ji)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)中(zhong)通(tong)(tong)(tong)過(guo)(guo)(guo)(guo)審(shen)(shen)核(he)(he)(he)(he)(he)的(de)(de)(de)(de)(de)UGC內(nei)(nei)(nei)容按(an)照預定規則(ze)歸(gui)(gui)檔(dang)(dang)(dang)(dang)(dang)(dang)保存至檔(dang)(dang)(dang)(dang)(dang)(dang)案(an)(an)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)。第(di)(di)六，日(ri)(ri)志管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)。主要(yao)(yao)用(yong)(yong)(yong)(yong)(yong)于(yu)(yu)記錄(lu)用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)登(deng)錄(lu)日(ri)(ri)志、用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)操(cao)(cao)作(zuo)(zuo)(zuo)(zuo)日(ri)(ri)志以及(ji)用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)審(shen)(shen)核(he)(he)(he)(he)(he)日(ri)(ri)志。第(di)(di)七，數(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)統(tong)(tong)(tong)(tong)計(ji)(ji)。包含專(zhuan)(zhuan)題(ti)(ti)統(tong)(tong)(tong)(tong)計(ji)(ji)、工(gong)作(zuo)(zuo)(zuo)(zuo)統(tong)(tong)(tong)(tong)計(ji)(ji)、系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)監(jian)測3個子(zi)模(mo)(mo)(mo)塊(kuai)(kuai)(kuai)，即(ji)對(dui)專(zhuan)(zhuan)題(ti)(ti)收(shou)藏數(shu)(shu)(shu)(shu)(shu)(shu)(shu)、專(zhuan)(zhuan)題(ti)(ti)下(xia)(xia)(xia)載數(shu)(shu)(shu)(shu)(shu)(shu)(shu)、數(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)審(shen)(shen)核(he)(he)(he)(he)(he)工(gong)作(zuo)(zuo)(zuo)(zuo)量(liang)、用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)登(deng)錄(lu)次數(shu)(shu)(shu)(shu)(shu)(shu)(shu)、用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)角色分(fen)(fen)(fen)布(bu)、上(shang)傳(chuan)(chuan)文(wen)件(jian)(jian)(jian)類(lei)(lei)型的(de)(de)(de)(de)(de)統(tong)(tong)(tong)(tong)計(ji)(ji)。具體操(cao)(cao)作(zuo)(zuo)(zuo)(zuo)流程如圖(tu)2所(suo)示(shi)：校內(nei)(nei)(nei)UGC參(can)與(yu)(yu)者(zhe)使用(yong)(yong)(yong)(yong)(yong)信(xin)息(xi)(xi)(xi)門(men)戶(hu)(hu)單點登(deng)錄(lu)，校外(wai)UGC參(can)與(yu)(yu)者(zhe)需(xu)在(zai)(zai)(zai)系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)注(zhu)冊賬戶(hu)(hu)，經系(xi)(xi)(xi)(xi)(xi)(xi)(xi)(xi)統(tong)(tong)(tong)(tong)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)員(yuan)(yuan)審(shen)(shen)核(he)(he)(he)(he)(he)通(tong)(tong)(tong)過(guo)(guo)(guo)(guo)后，用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)根據(ju)(ju)(ju)操(cao)(cao)作(zuo)(zuo)(zuo)(zuo)權(quan)限上(shang)傳(chuan)(chuan)符合像素、時長要(yao)(yao)求(qiu)的(de)(de)(de)(de)(de)圖(tu)片(pian)(pian)、音(yin)(yin)頻(pin)(pin)、視(shi)頻(pin)(pin)等(deng)(deng)(deng)UGC文(wen)件(jian)(jian)(jian)，并為(wei)內(nei)(nei)(nei)容添加標(biao)簽(qian)、著(zhu)(zhu)(zhu)錄(lu)背(bei)景(jing)信(xin)息(xi)(xi)(xi)。UGC內(nei)(nei)(nei)容上(shang)傳(chuan)(chuan)成(cheng)(cheng)(cheng)(cheng)功(gong)(gong)后，管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)(li)(li)(li)員(yuan)(yuan)通(tong)(tong)(tong)過(guo)(guo)(guo)(guo)審(shen)(shen)核(he)(he)(he)(he)(he)，對(dui)適(shi)于(yu)(yu)發(fa)(fa)(fa)(fa)布(bu)的(de)(de)(de)(de)(de)內(nei)(nei)(nei)容按(an)專(zhuan)(zhuan)題(ti)(ti)發(fa)(fa)(fa)(fa)布(bu)至網(wang)(wang)站(zhan)，對(dui)符合歸(gui)(gui)檔(dang)(dang)(dang)(dang)(dang)(dang)標(biao)準的(de)(de)(de)(de)(de)UGC內(nei)(nei)(nei)容進(jin)行歸(gui)(gui)檔(dang)(dang)(dang)(dang)(dang)(dang)操(cao)(cao)作(zuo)(zuo)(zuo)(zuo)。

檔案信息資源平(ping)臺應用

華東(dong)師(shi)(shi)(shi)大一(yi)行的(de)(de)培訓學(xue)習,使(shi)我(wo)為之一(yi)振,靜靜地思考、認(ren)真地剖析我(wo)校的(de)(de)現狀：教(jiao)師(shi)(shi)(shi)的(de)(de)年(nian)齡偏(pian)大，專(zhuan)業(ye)(ye)化(hua)發(fa)展意識淡(dan)薄(bo)，參與教(jiao)改(gai)的(de)(de)積(ji)極性不高(gao)(gao)，一(yi)味地兢兢業(ye)(ye)業(ye)(ye)工作(zuo)“汗水+時間(jian)”是(shi)我(wo)校教(jiao)師(shi)(shi)(shi)的(de)(de)工作(zuo)寫照，說(shuo)到(dao)底，教(jiao)育質量就是(shi)教(jiao)師(shi)(shi)(shi)的(de)(de)質量，教(jiao)師(shi)(shi)(shi)是(shi)課(ke)程(cheng)的(de)(de)資(zi)源，是(shi)教(jiao)育活動得以產生實效(xiao)的(de)(de)關鍵性因素，也是(shi)學(xue)校教(jiao)育尤為深(shen)刻的(de)(de)變革力(li)量。教(jiao)師(shi)(shi)(shi)的(de)(de)專(zhuan)業(ye)(ye)發(fa)展不但是(shi)學(xue)校教(jiao)育質量持續提(ti)(ti)高(gao)(gao)的(de)(de)基本特征，更是(shi)學(xue)校教(jiao)育內涵不斷提(ti)(ti)升(sheng)和學(xue)校可持續發(fa)展的(de)(de)動力(li)。如何使(shi)教(jiao)師(shi)(shi)(shi)們提(ti)(ti)高(gao)(gao)自身(shen)的(de)(de)專(zhuan)業(ye)(ye)知識，專(zhuan)業(ye)(ye)能力(li)，專(zhuan)業(ye)(ye)精神，進而打造出一(yi)支(zhi)專(zhuan)業(ye)(ye)化(hua)的(de)(de)教(jiao)師(shi)(shi)(shi)隊伍，是(shi)當前我(wo)校面臨的(de)(de)一(yi)個(ge)重(zhong)要課(ke)題。

一、價(jia)值引領，構(gou)筑愿景

1、價值引領

教(jiao)(jiao)(jiao)(jiao)師(shi)(shi)對(dui)自(zi)(zi)身(shen)專(zhuan)業(ye)(ye)化(hua)發(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)(zhan)意識(shi)淡薄是教(jiao)(jiao)(jiao)(jiao)師(shi)(shi)專(zhuan)業(ye)(ye)化(hua)發(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)(zhan)面臨的(de)(de)首(shou)(shou)要(yao)問題，所謂價(jia)(jia)(jia)值(zhi)引領(ling)，就是要(yao)激發(fa)(fa)(fa)(fa)教(jiao)(jiao)(jiao)(jiao)師(shi)(shi)對(dui)自(zi)(zi)身(shen)專(zhuan)業(ye)(ye)發(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)(zhan)的(de)(de)價(jia)(jia)(jia)值(zhi)認同(tong)，喚醒教(jiao)(jiao)(jiao)(jiao)師(shi)(shi)自(zi)(zi)我發(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)(zhan)的(de)(de)主體意識(shi)，激發(fa)(fa)(fa)(fa)教(jiao)(jiao)(jiao)(jiao)師(shi)(shi)走專(zhuan)業(ye)(ye)發(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)(zhan)之(zhi)路的(de)(de)內在(zai)動力(li)(li)。談其(qi)內在(zai)動力(li)(li)，我校(xiao)(xiao)教(jiao)(jiao)(jiao)(jiao)師(shi)(shi)經(jing)過(guo)幾(ji)年的(de)(de)學(xue)(xue)習(xi)(xi)、培(pei)訓(xun)、教(jiao)(jiao)(jiao)(jiao)師(shi)(shi)中反響不(bu)大，反映出(chu)來的(de)(de)是：“我快退(tui)休了(le)，湊合幾(ji)年““我已經(jing)進了(le)高級到頭了(le)”“排隊等(deng)著到時候高級就進了(le)”等(deng)等(deng)，不(bu)求進取消極的(de)(de)態(tai)度(du)表現(xian)出(chu)來，認為(wei)(wei)培(pei)訓(xun)是負擔，學(xue)(xue)習(xi)(xi)是受(shou)罪。因此(ci)當前我校(xiao)(xiao)改變(bian)這種現(xian)狀(zhuang)的(de)(de)首(shou)(shou)要(yao)任務(wu)是首(shou)(shou)先強(qiang)調價(jia)(jia)(jia)值(zhi)引領(ling)，促使教(jiao)(jiao)(jiao)(jiao)師(shi)(shi)迸發(fa)(fa)(fa)(fa)出(chu)自(zi)(zi)我發(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)(zhan)的(de)(de)意識(shi)和(he)動力(li)(li)，就要(yao)向(xiang)教(jiao)(jiao)(jiao)(jiao)師(shi)(shi)提(ti)(ti)出(chu)一系列教(jiao)(jiao)(jiao)(jiao)師(shi)(shi)專(zhuan)業(ye)(ye)發(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)(zhan)的(de)(de)價(jia)(jia)(jia)值(zhi)理(li)念，如“人(ren)人(ren)在(zai)研究(jiu)狀(zhuang)態(tai)下工作(zuo)”“人(ren)人(ren)在(zai)學(xue)(xue)習(xi)(xi)中生活(huo)”“有(you)(you)(you)眼(yan)界才會有(you)(you)(you)境(jing)界”，“有(you)(you)(you)實(shi)力(li)(li)才會有(you)(you)(you)魅力(li)(li)”，“有(you)(you)(you)作(zuo)為(wei)(wei)才會有(you)(you)(you)地(di)位”，“培(pei)訓(xun)是福利，學(xue)(xue)習(xi)(xi)是享受(shou)”等(deng)等(deng)，用這些價(jia)(jia)(jia)值(zhi)理(li)念引領(ling)教(jiao)(jiao)(jiao)(jiao)師(shi)(shi)的(de)(de)行為(wei)(wei)傾(qing)向(xiang)與選擇，讓教(jiao)(jiao)(jiao)(jiao)師(shi)(shi)們廣泛接受(shou)并認同(tong)學(xue)(xue)校(xiao)(xiao)關于教(jiao)(jiao)(jiao)(jiao)師(shi)(shi)專(zhuan)業(ye)(ye)發(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)(zhan)的(de)(de)基(ji)本構想，并將其(qi)內化(hua)為(wei)(wei)自(zi)(zi)身(shen)的(de)(de)理(li)念與需求，同(tong)時，讓這些價(jia)(jia)(jia)值(zhi)理(li)念成為(wei)(wei)具(ju)有(you)(you)(you)時代精神和(he)本校(xiao)(xiao)特色的(de)(de)教(jiao)(jiao)(jiao)(jiao)師(shi)(shi)文化(hua)的(de)(de)重要(yao)組成部分。通過(guo)不(bu)斷(duan)學(xue)(xue)習(xi)(xi)、實(shi)踐、反思、探(tan)索，使教(jiao)(jiao)(jiao)(jiao)師(shi)(shi)專(zhuan)業(ye)(ye)意識(shi)得(de)到喚醒，教(jiao)(jiao)(jiao)(jiao)育教(jiao)(jiao)(jiao)(jiao)學(xue)(xue)能力(li)(li)不(bu)斷(duan)提(ti)(ti)高，并努(nu)力(li)(li)向(xiang)更高層次的(de)(de)方向(xiang)發(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)(zhan)。

2、構筑愿景

把構筑愿(yuan)景(jing)(jing)與價值引(yin)領緊密地(di)結(jie)合起(qi)來(lai)(lai)(lai)(lai)，是(shi)促進教(jiao)師(shi)專(zhuan)業化(hua)發(fa)(fa)展(zhan)的(de)(de)(de)雙刃(ren)劍，美(mei)好(hao)(hao)(hao)的(de)(de)(de)東西是(shi)每(mei)(mei)一(yi)個人所向往的(de)(de)(de)，追求(qiu)美(mei)好(hao)(hao)(hao)是(shi)每(mei)(mei)一(yi)個人內(nei)在的(de)(de)(de)渴望(wang)，美(mei)好(hao)(hao)(hao)的(de)(de)(de)愿(yuan)景(jing)(jing)時常(chang)會給人一(yi)種動力，校(xiao)(xiao)長時常(chang)會在內(nei)心描(miao)(miao)繪(hui)未(wei)(wei)(wei)來(lai)(lai)(lai)(lai)發(fa)(fa)展(zhan)的(de)(de)(de)學校(xiao)(xiao)，教(jiao)師(shi)時常(chang)也在內(nei)心描(miao)(miao)繪(hui)著自(zi)己未(wei)(wei)(wei)來(lai)(lai)(lai)(lai)教(jiao)學的(de)(de)(de)情(qing)景(jing)(jing)，追尋著自(zi)我(wo)(wo)(wo)發(fa)(fa)展(zhan)的(de)(de)(de)未(wei)(wei)(wei)來(lai)(lai)(lai)(lai)，勾(gou)畫著未(wei)(wei)(wei)來(lai)(lai)(lai)(lai)教(jiao)師(shi)的(de)(de)(de)一(yi)種形象(xiang)，我(wo)(wo)(wo)們校(xiao)(xiao)本(ben)培訓(xun)就(jiu)從(cong)自(zi)我(wo)(wo)(wo)設(she)計開始，進行自(zi)我(wo)(wo)(wo)情(qing)況分(fen)析，自(zi)我(wo)(wo)(wo)遠(yuan)景(jing)(jing)規劃，自(zi)我(wo)(wo)(wo)教(jiao)育理(li)想描(miao)(miao)繪(hui)等一(yi)系列(lie)活動，勾(gou)畫自(zi)我(wo)(wo)(wo)發(fa)(fa)展(zhan)的(de)(de)(de)未(wei)(wei)(wei)來(lai)(lai)(lai)(lai)前景(jing)(jing)，關注自(zi)我(wo)(wo)(wo)才能融入學校(xiao)(xiao)的(de)(de)(de)課改和發(fa)(fa)展(zhan)中，這樣(yang)就(jiu)會喚(huan)(huan)起(qi)教(jiao)師(shi)對(dui)未(wei)(wei)(wei)來(lai)(lai)(lai)(lai)的(de)(de)(de)希望(wang)。在追求(qiu)愿(yuan)景(jing)(jing)的(de)(de)(de)過(guo)程中自(zi)然產(chan)生(sheng)一(yi)種激情(qing)，去做(zuo)任何為(wei)愿(yuan)景(jing)(jing)所必須(xu)做(zuo)的(de)(de)(de)事。正如馬雅可(ke)夫斯基說的(de)(de)(de)：“工(gong)作中要(yao)把每(mei)(mei)一(yi)件小事都和遠(yuan)大的(de)(de)(de)固定的(de)(de)(de)目(mu)標結(jie)合起(qi)來(lai)(lai)(lai)(lai)。”這就(jiu)是(shi)當(dang)前我(wo)(wo)(wo)們喚(huan)(huan)醒教(jiao)師(shi)自(zi)我(wo)(wo)(wo)發(fa)(fa)展(zhan)來(lai)(lai)(lai)(lai)推動學校(xiao)(xiao)發(fa)(fa)展(zhan)首先工(gong)作的(de)(de)(de)根本(ben)所在，相(xiang)信通過(guo)積極的(de)(de)(de)思(si)考和實(shi)踐，會使教(jiao)師(shi)盡(jin)快克服對(dui)工(gong)作的(de)(de)(de)倦怠，產(chan)生(sheng)工(gong)作的(de)(de)(de)熱情(qing)，迸發(fa)(fa)無限的(de)(de)(de)智慧(hui)和力量。

[摘要]Excel軟件的自動填充是(shi)一(yi)個非(fei)常實(shi)用(yong)的功能，為我們輸入一(yi)些(xie)連續性的數據提供了極(ji)大的方(fang)便，以及它強大的函數功能在實(shi)際應(ying)用(yong)中發揮重要作(zuo)用(yong)；Serv-U軟件是(shi)現(xian)今Windows平臺下(xia)最(zui)流行(xing)、功能最(zui)強大、使(shi)用(yong)最(zui)簡單的FTP服務(wu)器(qi)軟件之一(yi)，它可(ke)以對用(yong)戶用(yong)數據庫進行(xing)管理；筆者嘗試(shi)用(yong)以上兩(liang)個軟件結合(he)，構(gou)建學生FTP服務(wu)器(qi)。

[關鍵(jian)詞(ci)]ExcelServ-U數據庫FTP服(fu)務器(qi)

為(wei)了機(ji)房管(guan)理方(fang)便(bian)，學(xue)(xue)(xue)生機(ji)的(de)(de)硬盤往(wang)往(wang)是還原保護的(de)(de)，同一臺(tai)計(ji)算機(ji)可能(neng)(neng)被不同班級(ji)的(de)(de)同學(xue)(xue)(xue)使用，學(xue)(xue)(xue)生的(de)(de)個(ge)人(ren)文件(jian)或沒有完成的(de)(de)作業不能(neng)(neng)在(zai)計(ji)算機(ji)上正常(chang)保留；在(zai)平時的(de)(de)教學(xue)(xue)(xue)課堂中，常(chang)常(chang)要分(fen)發(fa)(fa)文件(jian)到學(xue)(xue)(xue)生機(ji)上，學(xue)(xue)(xue)生完成作業后又要回收，雖(sui)然電子教室軟件(jian)具有這個(ge)功能(neng)(neng)，但是往(wang)往(wang)出現(xian)某些(xie)學(xue)(xue)(xue)生機(ji)不能(neng)(neng)正常(chang)分(fen)發(fa)(fa)和(he)回收文件(jian)的(de)(de)情況(kuang)，某臺(tai)學(xue)(xue)(xue)生機(ji)因(yin)故障重啟后，分(fen)發(fa)(fa)到桌面的(de)(de)文件(jian)須重新再(zai)發(fa)(fa)一次；基于以上兩點原因(yin)，筆者(zhe)想到了為(wei)學(xue)(xue)(xue)生建一個(ge)FTP服務器(qi)，用于存放學(xue)(xue)(xue)生的(de)(de)作業及個(ge)人(ren)文件(jian)。

一(yi)、安裝Serv-U軟(ruan)件

執行安裝(zhuang)文件(jian)，即(ji)(ji)可(ke)開始安裝(zhuang)，全部選默認選項即(ji)(ji)可(ke)，安裝(zhuang)完(wan)成后(hou)不需重新(xin)啟動(dong)計算機(ji)。運行Serv-U軟件(jian)，出現“SetupWizard（設置向(xiang)導）”。此向(xiang)導可(ke)以幫你輕(qing)松地完(wan)成基本設置，直接選“Next（下一步(bu)）”，隨(sui)著安裝(zhuang)向(xiang)導按以下步(bu)驟(zou)來進(jin)行操作：

1．在“IPaddress（IP地址(zhi)）”框中保持空白(bai)，表示使(shi)用任意(yi)地址(zhi)；

我(wo)縣國(guo)資(zi)(zi)(zi)公司作為縣政(zheng)(zheng)府的(de)(de)(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)平臺雖然起步較晚，但發展(zhan)(zhan)迅(xun)速，截(jie)止(zhi)2012年6月底(di)，我(wo)縣國(guo)有資(zi)(zi)(zi)產運(yun)營公司累計融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)36350萬(wan)元(yuan)，融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)余額(e)為33400萬(wan)元(yuan)，為縣域(yu)經(jing)濟又好(hao)又快發展(zhan)(zhan)供(gong)應了(le)強有力的(de)(de)(de)(de)(de)資(zi)(zi)(zi)金(jin)支(zhi)持。隨著國(guo)家微觀(guan)調控(kong)政(zheng)(zheng)策(ce)(ce)和(he)不斷收縮信(xin)貸(dai)政(zheng)(zheng)策(ce)(ce)的(de)(de)(de)(de)(de)轉變(bian)，今后融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)平臺的(de)(de)(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)難度將(jiang)越來(lai)越大，但我(wo)縣經(jing)濟發展(zhan)(zhan)的(de)(de)(de)(de)(de)資(zi)(zi)(zi)金(jin)需求(qiu)卻有增(zeng)無減。如何順應國(guo)家微觀(guan)調控(kong)政(zheng)(zheng)策(ce)(ce)和(he)信(xin)貸(dai)政(zheng)(zheng)策(ce)(ce)的(de)(de)(de)(de)(de)轉變(bian)，增(zeng)強融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)平臺建設，做實、做大、做強融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)平臺，在國(guo)家信(xin)貸(dai)政(zheng)(zheng)策(ce)(ce)答應的(de)(de)(de)(de)(de)范圍內戰取更多融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)額(e)度，為縣域(yu)經(jing)濟發展(zhan)(zhan)供(gong)應資(zi)(zi)(zi)金(jin)保證(zheng)，直接關系到(dao)我(wo)縣“十(shi)二(er)五”規劃戰略目的(de)(de)(de)(de)(de)的(de)(de)(de)(de)(de)完成。

一、我(wo)縣融資平臺建設的近況

（一(yi)）國資公(gong)司設(she)立狀(zhuang)況

我縣(xian)(xian)(xian)(xian)(xian)對外融(rong)(rong)資(zi)(zi)平(ping)臺公(gong)(gong)司—國(guo)資(zi)(zi)公(gong)(gong)司成立于1996年，在行政(zheng)(zheng)上(shang)從屬遠(yuan)(yuan)安(an)縣(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)民(min)縣(xian)(xian)(xian)(xian)(xian)政(zheng)(zheng)府(fu)(fu)，并(bing)由(you)遠(yuan)(yuan)安(an)縣(xian)(xian)(xian)(xian)(xian)縣(xian)(xian)(xian)(xian)(xian)政(zheng)(zheng)府(fu)(fu)托付遠(yuan)(yuan)安(an)縣(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)民(min)縣(xian)(xian)(xian)(xian)(xian)政(zheng)(zheng)府(fu)(fu)國(guo)有(you)資(zi)(zi)產監督治理局(ju)對其(qi)進行治理，與(yu)縣(xian)(xian)(xian)(xian)(xian)國(guo)資(zi)(zi)局(ju)執行“一套(tao)班子(zi)、兩塊牌子(zi)”合署辦(ban)公(gong)(gong)。國(guo)資(zi)(zi)局(ju)局(ju)長(chang)(chang)由(you)縣(xian)(xian)(xian)(xian)(xian)縣(xian)(xian)(xian)(xian)(xian)政(zheng)(zheng)府(fu)(fu)錄用，國(guo)資(zi)(zi)公(gong)(gong)司董(dong)事(shi)長(chang)(chang)和(he)總(zong)司理也辨(bian)別(bie)由(you)縣(xian)(xian)(xian)(xian)(xian)縣(xian)(xian)(xian)(xian)(xian)政(zheng)(zheng)府(fu)(fu)錄用。2008年12月，為(wei)(wei)進一步做(zuo)大做(zuo)強(qiang)融(rong)(rong)資(zi)(zi)平(ping)臺，經縣(xian)(xian)(xian)(xian)(xian)編辦(ban)同意（〔2008〕21號），遠(yuan)(yuan)安(an)縣(xian)(xian)(xian)(xian)(xian)金(jin)交融(rong)(rong)作辦(ban)公(gong)(gong)室正式成立，與(yu)國(guo)資(zi)(zi)公(gong)(gong)司合署辦(ban)公(gong)(gong)。金(jin)交融(rong)(rong)作辦(ban)職責為(wei)(wei)項目申報、財(cai)政(zheng)(zheng)報賬、會計核算、信息(xi)反應、材料搜集、檔(dang)案治理、關系(xi)協調、信息(xi)溝通等與(yu)縣(xian)(xian)(xian)(xian)(xian)政(zheng)(zheng)府(fu)(fu)融(rong)(rong)資(zi)(zi)有(you)關的(de)各項日常工作。截止(zhi)2012年6月，公(gong)(gong)司注冊(ce)成本20000萬元(yuan)，共有(you)工作人(ren)(ren)(ren)員(yuan)7人(ren)(ren)(ren)，其(qi)中董(dong)事(shi)長(chang)(chang)1人(ren)(ren)(ren)、總(zong)司理1人(ren)(ren)(ren)、其(qi)他工作人(ren)(ren)(ren)員(yuan)5人(ren)(ren)(ren)。

（二(er)）國資公司資產及融資狀況

截止(zhi)2012年6月，國(guo)資(zi)公司累(lei)計融資(zi)額(e)度已達36350萬元，融資(zi)余(yu)額(e)為(wei)33400萬元，為(wei)我縣的(de)城市建設(she)和(he)工業園區建設(she)供應了(le)強有力的(de)資(zi)金支持，詳細明細如下：

一、基本情況

我市(shi)積極探索建(jian)立以企業(ye)為主體(ti)、以科(ke)研(yan)院(yuan)所和高等院(yuan)校為技(ji)術(shu)依托、以市(shi)場(chang)需求(qiu)為紐帶、互利共(gong)(gong)(gong)贏(ying)的(de)產(chan)學研(yan)合作創新(xin)機(ji)制(zhi)，搭建(jian)開放(fang)共(gong)(gong)(gong)享的(de)合作平臺。從年開始，在原有創建(jian)企業(ye)與大院(yuan)名校共(gong)(gong)(gong)建(jian)創新(xin)載(zai)體(ti)、區(qu)創中心(xin)的(de)基礎上，根據(ju)產(chan)業(ye)發(fa)(fa)展的(de)科(ke)技(ji)支(zhi)撐要求(qiu)，有計劃地啟動了(le)公共(gong)(gong)(gong)創新(xin)平臺、區(qu)域創新(xin)平臺、行業(ye)創新(xin)平臺三(san)(san)類平臺建(jian)設，全面推進(jin)我市(shi)科(ke)技(ji)創新(xin)平臺建(jian)設。目前(qian)，我市(shi)已建(jian)設的(de)覆蓋區(qu)域廣、真正具備較強服(fu)務功(gong)能的(de)三(san)(san)大科(ke)技(ji)創新(xin)公共(gong)(gong)(gong)服(fu)務平臺，分別是：研(yan)究(jiu)院(yuan)、中科(ke)院(yuan)應(ying)用(yong)技(ji)術(shu)研(yan)發(fa)(fa)與產(chan)業(ye)化(hua)中心(xin)、高校產(chan)學研(yan)聯盟中心(xin)。這三(san)(san)大平臺已在技(ji)術(shu)研(yan)發(fa)(fa)、成果轉移、人才引進(jin)、信息咨詢(xun)等方(fang)面對我市(shi)的(de)相關產(chan)業(ye)發(fa)(fa)展起到了(le)較大的(de)推進(jin)作用(yong)。

1、研究院

大學研(yan)(yan)(yan)究(jiu)(jiu)(jiu)(jiu)院(yuan)自年(nian)成立以(yi)來，已(yi)組建汽(qi)摩配研(yan)(yan)(yan)究(jiu)(jiu)(jiu)(jiu)所（玉(yu)環）、機電(dian)(dian)研(yan)(yan)(yan)究(jiu)(jiu)(jiu)(jiu)所（路橋(qiao)）、光(guang)電(dian)(dian)與(yu)信息研(yan)(yan)(yan)究(jiu)(jiu)(jiu)(jiu)所（水(shui)晶光(guang)電(dian)(dian)）、工業(ye)設(she)計研(yan)(yan)(yan)究(jiu)(jiu)(jiu)(jiu)所、電(dian)(dian)氣與(yu)控制研(yan)(yan)(yan)究(jiu)(jiu)(jiu)(jiu)所、產(chan)業(ye)經濟研(yan)(yan)(yan)究(jiu)(jiu)(jiu)(jiu)所等(deng)6個研(yan)(yan)(yan)究(jiu)(jiu)(jiu)(jiu)所。研(yan)(yan)(yan)究(jiu)(jiu)(jiu)(jiu)院(yuan)緊密結合(he)(he)產(chan)業(ye)的(de)(de)實際，以(yi)技術創(chuang)新、成果轉化(hua)(hua)、產(chan)業(ye)孵化(hua)(hua)為主線，以(yi)科研(yan)(yan)(yan)項目為抓手,以(yi)高技術人才培養(yang)和(he)引進(jin)為載體，積極整合(he)(he)各種資(zi)源，服(fu)務的(de)(de)先進(jin)制造業(ye)基地(di)建設(she)。繼《汽(qi)車零(ling)部(bu)件多(duo)功能模塊式力學試驗系統研(yan)(yan)(yan)究(jiu)(jiu)(jiu)(jiu)與(yu)開發》項目獲得國家科技部(bu)“科技人員服(fu)務企(qi)業(ye)行動計劃”立項后，年(nian)研(yan)(yan)(yan)究(jiu)(jiu)(jiu)(jiu)院(yuan)又被(bei)省(sheng)(sheng)科技廳(ting)認定(ding)為省(sheng)(sheng)重點科技中(zhong)介(jie)機構。這標志著研(yan)(yan)(yan)究(jiu)(jiu)(jiu)(jiu)院(yuan)的(de)(de)科技服(fu)務能力得到(dao)穩(wen)步提升。

研(yan)(yan)究(jiu)院(yuan)(yuan)、浙大研(yan)(yan)究(jiu)生院(yuan)(yuan)分院(yuan)(yuan)兩院(yuan)(yuan)基(ji)建(jian)項目(mu)(mu)先期建(jian)設的研(yan)(yan)究(jiu)院(yuan)(yuan)科(ke)研(yan)(yan)實驗2#樓建(jian)筑(zhu)總面積約為15816平(ping)方(fang)米，投資(zi)總額達(da)到(dao)3766萬元。目(mu)(mu)前已完成(cheng)樁基(ji)工(gong)(gong)程(cheng)，現(xian)在正在進行工(gong)(gong)程(cheng)招(zhao)標。

目(mu)前研究院(yuan)承擔建(jian)(jian)設4個平(ping)(ping)臺(tai)(tai)(tai)：國(guo)家商務部(bu)(bu)國(guo)家汽車及(ji)零(ling)(ling)部(bu)(bu)件(jian)出口基地(di)公共服(fu)(fu)務平(ping)(ping)臺(tai)(tai)(tai)，省汽車及(ji)零(ling)(ling)部(bu)(bu)件(jian)產業(ye)(ye)科(ke)(ke)(ke)技(ji)創(chuang)新(xin)(xin)服(fu)(fu)務平(ping)(ping)臺(tai)(tai)(tai)分中(zhong)心，省縫(feng)制(zhi)設備(bei)(bei)(bei)產業(ye)(ye)技(ji)術創(chuang)新(xin)(xin)服(fu)(fu)務平(ping)(ping)臺(tai)(tai)(tai)，省農(nong)業(ye)(ye)機械技(ji)術創(chuang)新(xin)(xin)服(fu)(fu)務平(ping)(ping)臺(tai)(tai)(tai)。其(qi)中(zhong)研究院(yuan)為(wei)主(zhu)承擔建(jian)(jian)設的2個平(ping)(ping)臺(tai)(tai)(tai)（省縫(feng)制(zhi)設備(bei)(bei)(bei)產業(ye)(ye)技(ji)術創(chuang)新(xin)(xin)服(fu)(fu)務平(ping)(ping)臺(tai)(tai)(tai)、省農(nong)業(ye)(ye)機械技(ji)術創(chuang)新(xin)(xin)服(fu)(fu)務平(ping)(ping)臺(tai)(tai)(tai)），已于年(nian)12月通(tong)過省重大(da)科(ke)(ke)(ke)技(ji)創(chuang)新(xin)(xin)服(fu)(fu)務平(ping)(ping)臺(tai)(tai)(tai)立項(xiang)。年(nian)，研究院(yuan)積極與(yu)學院(yuan)、浙大(da)亞(ya)太休閑中(zhong)心合作申報省休閑產業(ye)(ye)科(ke)(ke)(ke)技(ji)創(chuang)新(xin)(xin)服(fu)(fu)務平(ping)(ping)臺(tai)(tai)(tai)，同(tong)時聯合縫(feng)制(zhi)行業(ye)(ye)龍頭企(qi)業(ye)(ye)，建(jian)(jian)立了省縫(feng)制(zhi)設備(bei)(bei)(bei)產業(ye)(ye)聯盟，并(bing)與(yu)創(chuang)新(xin)(xin)平(ping)(ping)臺(tai)(tai)(tai)形成良(liang)性互(hu)動。