我国个人消费金融的发展研究

发布时间：2018-05-10 07:15

本文选题：消费金融 + 个人消费　；参考：《安徽农业大学》2012年硕士论文

【摘要】：在国家扩大内需、促进消费的大背景下，发展个人消费金融意义重大。它能为居民消费提供资金支持、扩大消费市场的有效需求，促进消费产业发展，拉动经济增长；能加快金融机构零售业务和中间业务的发展，促进业务多元化发展、完善服务组织体系，增强金融机构的竞争能力，为业务经营提供极具潜力的利润增长点；发展个人消费金融能促进经济结构的有效调整和产业结构的全面升级，使得经济增长依靠消费、投资和出口协调拉动，保证经济平稳较快发展；能促进居民消费的升级与转型，全方位满足不同层次的消费需求，极大地提高人民的消费水平和生活水平。本文对消费金融进行研究，首先，阐述了进行消费金融研究的理论意义和实践意义。其次，说明了对消费金融进行研究的理论基础；介绍了国内外对于消费金融领域的研究现状和研究成果，列举了部分有代表性和影响力的学术观点。再次，本篇文章参照国内外各类观点和自身研究现状，对消费金融进行科学地定义，并对文章的研究范围给予了清晰界定和详细的说明，认为个人消费金融并不能单纯从字面进行理解，研究对象不仅仅针对公民个人，它包括个人和家庭两个方面。然后，逐一分析了发展个人消费金融业所存在机会与优势、劣势与威胁。随后，，文章采用SWOT—LCVP模型分析法，把外部环境中存在机会和威胁、金融机构内部所拥有的优势和劣势进行两两组合，给予定性和定量分析，使得出的结果能让人们较为准确地了解外部存在的机会与威胁影响程度的大与小、企业内部的优势和劣势所能起到的作用的强与弱，这有助于各级部门把握工作重点、理清工作思路，对个人消费金融发展具有一定的意义。最后，文章针对存在的众多不足，从外部环境建设中的监管机制、保障体系、宣传教育、信用体系、法律体系和分配体系；到金融机构内部建设中的审批体系、产品研发与创新、风险控制体系、农村市场的开发等方面分别给出了相应的对策和建议。最终，对全文进行总结，把文章重新进行梳理，并对未来进行展望，阐明消费金融发展所具有的潜力与活力。
[Abstract]:In the context of expanding domestic demand and promoting consumption, the development of personal consumption finance is of great significance. It can provide financial support for residents' consumption, expand the effective demand of the consumer market, promote the development of the consumer industry, stimulate economic growth, accelerate the development of retail and intermediate business of financial institutions, and promote the diversified development of business. Improving the service organization system, enhancing the competitiveness of financial institutions, providing a very potential profit growth point for business operations, and developing personal consumption finance can promote the effective adjustment of the economic structure and the overall upgrading of the industrial structure. So that economic growth depends on the coordinated pull of consumption, investment and export to ensure steady and rapid economic development, to promote the upgrading and transformation of residents' consumption, and to meet the needs of different levels of consumption in all directions. Greatly improve the people's consumption and living standards. This paper studies consumer finance. Firstly, it expounds the theoretical and practical significance of consumer finance research. Secondly, it explains the theoretical basis of the research on consumer finance, introduces the current research situation and research results in the field of consumer finance at home and abroad, and enumerates some representative and influential academic viewpoints. Thirdly, according to the domestic and foreign various viewpoints and the present research situation, this article carries on the scientific definition to the consumptive finance, and gives the clear definition and the detailed explanation to the research scope of the article. The author thinks that personal consumption finance can not only be taken literally, the research object is not only aimed at individual citizens, but also includes two aspects: individual and family. Then, it analyzes the opportunities and advantages, disadvantages and threats of developing individual consumer finance one by one. Then, using SWOT-LCVP model analysis, the paper combines opportunities and threats in the external environment, strengths and weaknesses within financial institutions, and gives qualitative and quantitative analysis. The results will enable people to understand more accurately the impact of external opportunities and threats, and the strength and weakness of the internal strengths and weaknesses of enterprises, which will help departments at all levels to grasp the focus of their work. It is of great significance to the development of personal consumption finance to clarify the working ideas. Finally, the article aims at many shortcomings, from supervision mechanism, security system, propaganda and education, credit system, legal system and distribution system in the construction of external environment, to the examination and approval system in the internal construction of financial institutions. The corresponding countermeasures and suggestions on product development and innovation, risk control system and rural market development are given. Finally, the paper summarizes the full text, combs the article again, looks forward to the future, and clarifies the potential and vitality of the development of consumer finance.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832

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