我国消费金融公司发展研究

发布时间：2018-12-07 09:11

【摘要】：在西方国家消费金融公司的发展已经有着很长的的历史,并形成了较为成熟的经营模式,消费金融公司对于促进消费需求的增长从而推动经济的发展起到了重要的作用。我国长期以来,经济的发展过度依赖外部市场,但是,2008年金融危机爆发之后,我国的出口业务遭受了较为严重的的冲击,以往的外向型经济模式已无法支持我国经济的发展,而我国居民又保持着较高的储蓄率,国内市场的需求远远不足。因此,在2009年中央经济工作会议上着重强调了扩大内需的重要性,提出要把居民消费作为扩大内需、保增长、促进我国经济增长模式转变的关键点。而在目前我国居民收入暂时无法大幅度提高的情况下,消费信贷无疑是刺激消费增长的重要工具。所以,在此时推出消费金融公司试点,是我国金融行业的一大创新,丰富了我国的金融机构类型,并将有利于促进我国消费需求的增长,支持经济可持续发展。并且还可以为商业银行无法惠及的个人客户提供新型的金融服务,满足不同群体消费者不同层次的需求,提高消费者的生活水平。本文对消费金融公司做了较为详细的介绍,并结合当前国内的经济形势,对我国消费金融公司设立的必要性和可能性进行了详细的分析,指出了消费金融公司在我国将会有广阔的发展前景。根据我国的经济环境及消费习惯,提出了在我国发展消费金融公司会遇到的一些障碍因素。并且借鉴了美国及欧盟国家发展消费金融公司的经验,结合我国国情,对如何促进我国消费金融公司的发展提出了相应的对策。
[Abstract]:The development of consumer finance companies in western countries has a long history and has formed a more mature business model. Consumer finance companies have played an important role in promoting the growth of consumer demand and promoting economic development. For a long time, the economic development of our country has been excessively dependent on the external market. However, after the financial crisis broke out in 2008, the export business of our country has suffered a relatively serious impact, and the former export-oriented economic model can no longer support the economic development of our country. But our country resident also maintains the high saving rate, the domestic market demand is far from insufficient. Therefore, at the 2009 Central Economic work Conference, the importance of expanding domestic demand was emphasized, and the key point of expanding domestic demand, maintaining growth and promoting the transformation of economic growth model was put forward. However, consumer credit is undoubtedly an important tool to stimulate consumption growth. Therefore, the introduction of consumer finance companies at this time is a major innovation in China's financial industry, which enriches the types of financial institutions in China, and will help to promote the growth of consumer demand in China and support the sustainable development of the economy. And it can also provide new financial services for individual customers that commercial banks can not benefit, meet the needs of different groups of consumers at different levels, and improve the living standards of consumers. This paper makes a detailed introduction to the consumer finance companies, and analyzes the necessity and possibility of the establishment of the consumer finance companies in China in the light of the current domestic economic situation. Pointed out that consumer finance companies in China will have a broad development prospects. According to our country's economic environment and consumption habits, this paper puts forward some obstacles to the development of consumer finance companies in our country. Based on the experience of developing consumer finance companies in the United States and the European Union and combining with the national conditions of our country, this paper puts forward some corresponding countermeasures on how to promote the development of consumer finance companies in our country.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：F832.39

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