消费金融的理论分析及发展策略研究

发布时间：2018-01-06 03:31

本文关键词：消费金融的理论分析及发展策略研究　出处：《青岛大学》2016年硕士论文　论文类型：学位论文

【摘要】：近年来,投资与出口占GDP的比重逐年下降,而我国经济进入缓慢发展阶段,经济增长步入新常态,GDP保持较为平稳的发展。因此,国家政府部门积极推进居民扩大消费水平,刺激国内经济发展。为此,政府积极引导,刺激了留学、旅游、文化消费等新的消费热点,并大力发展消费金融行业,提振国内居民消费水平。总之,国家政策积极推动消费金融的发展,居民的消费观念不断升级,宏观经济环境发生变化,云计算及互联网技术的迅速发展等为消费金融行业发展带来了新的契机,如何抓住机遇实现更好的发展已成为社会的一大热点问题。本文首先对消费金融的研究现状及相关理论进行了介绍,然后分别用哈密尔顿函数及一般均衡理论对消费金融的存在给予了合理的解释。最后,基于PEST模型,对我国消费金融发展现状进行了分析,并结合国外发达国家消费金融发展经验,对我国消费金融发展提出了一系列政策建议。通过哈密尔顿工具分析发现,消费金融的存在有其客观合理性。而在一般均衡分析中,分别对两部门及三部门经济进行分析,发现消费金融的存在可以使消费者平滑其一生在不同时期的消费水平,从而提升自身在整个生命周期的效用水平。为此,建议国家大力发展消费金融行业。考虑到我国发展消费金融的现状,建议从消费金融公司及消费金融发展环境两个角度进行改进。
[Abstract]:In recent years, the proportion of investment and export in GDP has decreased year by year, but our economy has entered the stage of slow development, and the economic growth has entered the new normal state and maintained a relatively stable development. Government departments actively promote the expansion of consumption levels of residents and stimulate domestic economic development. For this reason, the government has actively guided, stimulated the study abroad, tourism, cultural consumption and other new consumption hot spots. And vigorously develop the consumer finance industry to boost the consumption level of domestic residents. In short, national policies actively promote the development of consumer finance, residents' consumption concept is constantly upgraded, macroeconomic environment has changed. The rapid development of cloud computing and Internet technology has brought new opportunities for the development of consumer finance industry. How to seize the opportunity to achieve better development has become a hot issue in society. Firstly, this paper introduces the current research situation and related theories of consumer finance. Then we give a reasonable explanation to the existence of consumer finance by Hamilton function and general equilibrium theory. Finally, based on the PEST model, we analyze the current situation of consumer finance in China. Combined with the experience of the developed countries, this paper puts forward a series of policy recommendations on the development of consumer finance in China. The existence of consumer finance has its objective rationality. In the general equilibrium analysis, the two-sector and three-sector economy are analyzed separately. It is found that the existence of consumer finance can make consumers smooth their consumption level in different periods of their life, thus improving their own utility level in the whole life cycle. In view of the present situation of the development of consumer finance in China, it is suggested that the improvement should be carried out from the perspectives of consumer finance companies and the development environment of consumer finance.
【学位授予单位】：青岛大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832;F126.1

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