Online banking and mobile banking, two forms of Internet payment, are new to rural residents and need extensive promotion. However, compared with mobile banking, the application scenarios of online banking, the Internet payment service, are richer and more complex. The insufficient publicity will make farmers feel obvious obstacles in the process of using online banking, thus reducing the use of online banking. However, it can be concluded from the table that Internet payment plays a significant role in promoting the consumption of peasant households in general