互联网金融背景下消费金融发展新趋势研究

论文总字数：20141字

摘 要

消费金融是指面向各阶层供给消费贷款的当代金融服务形式，它能拉动经济转型，有效的提高经济效益，拉动经济转型,截至2017年10月，居民短期消费贷款余额共有6.5万亿元而其中不含房贷等中长期贷款，同比增加了40.87%，占居民贷款的比重达到16.76%，占国内贷款余额的比重达到5.34%。目前，我国的消费金融处于初始阶段，但他有着巨大的潜力。

虽然我国消费金融还处于初级阶段，不仅是传统的消费金融公司向着互联网与消费金融的结合而努力，也有更多的互联网企业开始进军消费金融这个领域。通过相关文献的查阅，我了解到了消费金融的发展历史以及现在它的现状，它现在还处于初始阶段，现在处于产品模式趋同，征信差别大，服务对象集中的阶段。现在的消费金融市场有着它的机遇和挑战，现在的环境与政策都是有利于消费金融的快速发展的，但其遭遇的挑战也是不可忽视的，如果处理得当就能迅猛发展。我通过研究相关文献和报导，认为互联网背景下消费金融的发展需要扩大互联网消费金融普及范围，完善互联网消费金融风险管理，更需要政府宏观调控。之后通过爱财集团这个互联网消费金融的成功企业，分析其发展的策略，得到启示，消费金融产品需要粘性，更需要贴合用户每个时间段的想法。消费金融的前景无疑是很大的，即使我们的市场结构无疑还是很不成熟，其未来的发展还是值得我们探讨与期待。

经过研究，笔者对于互联网背景下消费金融新趋势有了长足的了解，论文的研究方向直指互联网与消费金融结合的中心，其中关于互联网与消费金融结合的利与弊，以及相关建议都是笔者深思熟虑后写出来的。本文提出了对于互联网背景下消费金融的所需的相关建议。

关键词：互联网消费金融；征信系统；消费金融的机遇和挑战

Research on the new trend of consumer finance development under the background of Internet Finance

Abstract

Consumer finance refers to the form of modern financial services that supply consumer loans to all strata. It can stimulate economic transformation, effectively improve economic benefits and stimulate economic transformation. By October 2017, the balance of short-term consumer loans was 6 trillion and 500 billion yuan, including medium and long term loans, including housing loans, an increase of 40.87%, occupied by the same period. The proportion of private loans reached 16.76%, accounting for 5.34% of the domestic loan balance. At present, China"s consumer finance is at its initial stage, but he has great potential.

Although China"s consumer finance is still in the primary stage, it is not only the combination of the traditional Consumer Finance Companies to the Internet and consumer finance, but also more Internet companies to start to enter the field of consumer finance. Through the reference of relevant literature, I understand the history of the development of consumer finance and its present situation. It is still in the initial stage. Now, it is in the stage of the convergence of product model, the large difference of credit information, and the concentration of service objects. Now the consumer financial market has its opportunities and challenges, and the current environment and policy are conducive to the rapid development of consumer finance, but its challenges can not be ignored, if properly handled, it can develop rapidly. Through the study of relevant literature and reports, I believe that the development of consumer finance in the background of the Internet needs to expand the scope of the Internet consumption finance, improve the risk management of the Internet consumption and finance, and more need the macro regulation and control of the government. Then through the successful enterprise of the Internet consumption finance of the "love money group", it analyses the strategy of its development. It is enlightened that the consumer financial products need stickiness and more need to fit the idea of each time period of the user. The prospect of consumer finance is undoubtedly great. Even though our market structure is still very immature, its future development still deserves our discussion and expectation.

After research, I have a great understanding of the new trend of consumer finance under the background of the Internet. The research direction of the paper refers to the center of the combination of the Internet and consumer finance. The advantages and disadvantages of the combination of the Internet and consumer finance are written by the author. This paper puts forward some related suggestions for consumer finance in the context of the Internet.

Keywords: Internet consumer finance; credit information system; opportunities and challenges for consumer finance

目 录

摘 要 Ⅰ

Abstract Ⅱ

第一章 绪论 1

1.1 研究背景与意义 1

1.2 研究目的与内容 1

1.3 研究方法与思路 1

1.4 论文框架 2

第二章 相关文献综述 3

2.1 关于传统消费金融的转变 3

2.2 互联网巨头进入消费金融行业 3

2.3 互联网背景下消费金融的发展潜力 4

2.4 互联网背景下消费金融的弊端 4

2.5 相关文献对消费金融的建议 5

第三章 互联网金融背景下消费金融发展的现状和特点 7

3.1 互联网消费金融发展的现状 7

3.1.1 互联网消费金融产品模式趋同 7

3.1.2 互联网消费金融征信模式差别较大 7

3.1.3 互联网消费金融服务对象集中 8

3.2 在互联网背景下消费金融发展的特点 8

第四章 消费金融发展的机遇与挑战 9

4.1 消费金融发展的机遇 9

4.1.1 消费金融发展的环境优势 9

4.1.2 消费金融发展的政策优势 9

4.2 消费金融发展所遇的挑战 9

第五章 互联网金融背景下消费金融发展的建议 11

5.1 扩大互联网消费金融普及范围 11

5.2 完善互联网消费金融风险管理 11

5.3 政府宏观调控 12

第六章 案例分析 13

6.1 爱财集团发展背景 13

6.2 爱财集团发展历程 13

6.3 爱财集团商业布局 13

6.4 爱财集团的核心竞争力 13

6.5 爱财集团案例启示 14

结 论 15

致 谢 16

参考文献(References) 17

第一章 绪 论

1.1 研究背景与意义

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