我国消费金融发展与规范研究
发布时间：2019-04-17 08:41
【摘要】：自2009年我国消费金融公司试点经营以来,消费金融行业已经取得较大进步,经营产品已有较大改变与丰富,市场占有逐步提高。但是核心的问题,如经营风险高、资金来源渠道较少、业务范围狭窄等问题仍旧存在。加紧研究消费金融市场以及消费金融公司的经营发展问题与法律规制问题,将极大地有利于我国消费金融领域甚至市场经济的发展。应围绕行业发展的规范与促进,实证地研究国内外消费金融行业以及消费金融公司的历史与现实状况,提出该领域国内当前存在的主要问题所在,借鉴国内外发展经验,集中于法律及政策范畴,提出相应的改进方法。在引言部分介绍了选题背景、文献综述以及使用的研究方法和思路之后,正文部分分为五章。第一章系统介绍消费金融和消费金融公司的定义,并与其他类似融资方式的进行类比。第二章介绍消费金融公司设立的意义,实为从经济理论与实践需求以及法律角度分析消费金融公司设立的必要来介绍消费金融公司,说明促进消费金融发展的必要性。第三章阐述我国当前消费金融公司的发展已有的经验以及面临的问题,尤其实证地研究了我国当前互联网企业在消费金融行业的先进作为。第四章着重从美国和日本两国的法律与制度建设介绍国外发达国家消费金融发展经验。第五章在前文的现状分析中我国已有的先进发展经验前提下,结合讲述国外消费金融公司丰富的发展经验,着重于我国目前存在的矛盾,升华自我国目前该行业已有的经验教训,对我国当前“互联网+”时代的新形势下,消费金融公司应进行变革和完善之处的建议。结论部分对本文梳理思路,进行总结。
[Abstract]:Since the pilot operation of China's consumer finance company in 2009, the consumer finance industry has made great progress, the operating products have been greatly changed and enriched, and the market share has been gradually improved. However, the core problems, such as high business risk, less funding sources, narrow business scope and so on, still exist. It will greatly benefit the development of the consumer finance field and even the market economy in our country to study the consumption financial market and the management and development of the consumer finance company and the legal regulation of the consumer finance company. Focusing on the standardization and promotion of the development of the industry, we should empirically study the history and reality of the domestic and foreign consumer finance industries and consumer finance companies, put forward the main problems existing in this field at present, and draw lessons from the development experiences at home and abroad. Focus on the legal and policy areas, put forward the corresponding improvement methods. After introducing the background, literature review, research methods and ideas used in the introduction, the main body is divided into five chapters. The first chapter introduces the definition of consumer finance and consumer finance company, and compares it with other similar financing methods. The second chapter introduces the significance of the establishment of consumer finance companies, in fact, from the economic theory and practice needs and legal analysis of the need to establish consumer finance companies to introduce consumer finance companies, explain the need to promote the development of consumer finance. The third chapter expounds the existing experience and problems in the development of China's current consumer finance companies, especially empirically studies the advanced behavior of China's current Internet enterprises in the consumer finance industry. The fourth chapter focuses on the legal and institutional construction of the United States and Japan to introduce the experience of foreign developed countries in the development of consumer finance. In the fifth chapter, on the premise of the advanced development experience in our country, combining with the rich development experience of foreign consumer finance companies, this chapter focuses on the contradictions existing in our country at present. Sublimation from the current experience and lessons of this industry in our country, under the new situation of "Internet" era in our country, the consumer finance company should carry on the reform and the consummation place suggestion. Conclusion part to this article combs the train of thought, carries on the summary.
【学位授予单位】：上海社会科学院
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.28
[Abstract]:Since the pilot operation of China's consumer finance company in 2009, the consumer finance industry has made great progress, the operating products have been greatly changed and enriched, and the market share has been gradually improved. However, the core problems, such as high business risk, less funding sources, narrow business scope and so on, still exist. It will greatly benefit the development of the consumer finance field and even the market economy in our country to study the consumption financial market and the management and development of the consumer finance company and the legal regulation of the consumer finance company. Focusing on the standardization and promotion of the development of the industry, we should empirically study the history and reality of the domestic and foreign consumer finance industries and consumer finance companies, put forward the main problems existing in this field at present, and draw lessons from the development experiences at home and abroad. Focus on the legal and policy areas, put forward the corresponding improvement methods. After introducing the background, literature review, research methods and ideas used in the introduction, the main body is divided into five chapters. The first chapter introduces the definition of consumer finance and consumer finance company, and compares it with other similar financing methods. The second chapter introduces the significance of the establishment of consumer finance companies, in fact, from the economic theory and practice needs and legal analysis of the need to establish consumer finance companies to introduce consumer finance companies, explain the need to promote the development of consumer finance. The third chapter expounds the existing experience and problems in the development of China's current consumer finance companies, especially empirically studies the advanced behavior of China's current Internet enterprises in the consumer finance industry. The fourth chapter focuses on the legal and institutional construction of the United States and Japan to introduce the experience of foreign developed countries in the development of consumer finance. In the fifth chapter, on the premise of the advanced development experience in our country, combining with the rich development experience of foreign consumer finance companies, this chapter focuses on the contradictions existing in our country at present. Sublimation from the current experience and lessons of this industry in our country, under the new situation of "Internet" era in our country, the consumer finance company should carry on the reform and the consummation place suggestion. Conclusion part to this article combs the train of thought, carries on the summary.
【学位授予单位】：上海社会科学院
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.28
【相似文献】
相关期刊论文 前10条
1 ;拃v鉭修，
本文编号：2459275
本文链接：https://www.wllwen.com/falvlunwen/jingjifalunwen/2459275.html
