我国互联网消费金融发展困境与路径探寻

发布时间：2018-03-08 15:04

本文选题：互联网+　切入点：消费金融　出处：《技术经济与管理研究》2017年01期 　论文类型：期刊论文

【摘要】：在经济新常态下,我国经济转型将从投资拉动逐步向消费主导升级,基于消费升级和用户大数据的消费金融,借助"互联网+"平台进入了迅猛发展的高铁车道。消费金融通过丰富的线上线下消费场景、强大的风控体系和强有力的合作伙伴势必成为中国经济转型升级的"创新风口"。但由于银行等金融机构"懂金融而不懂消费",消费企业"懂消费而不懂金融",互联网金融机构"懂互联网而不懂消费金融",以及消费者对消费金融的认知不足、消费金融观念缺失、从业人员素质较低等原因,都对互联网金融的快速发展带来挑战。因此,建立互联网消费产业的资产证券化交易市场,培养优秀互联网金融人才以及快速找准企业的定位,实现精准营销是互联网消费金融企业的当务之急。
[Abstract]:Under the new normal state of the economy, China's economic transformation will be gradually upgraded from investment-led to consumption-oriented, based on consumer upgrading and consumer finance by user big data. With the help of the "Internet" platform, it has entered the rapid development of high-speed rail lanes. Consumer finance through a wealth of online and offline consumption scenes, A strong risk control system and strong partners are bound to become "innovation vents" for China's economic transformation and upgrading. However, because banks and other financial institutions "understand finance rather than consumption", consumer enterprises "understand consumption rather than finance", and mutual understanding. Online financial institutions "know the Internet but not consumer finance", and consumers do not know enough about consumer finance. The lack of the concept of consumer finance and the low quality of employees have all brought challenges to the rapid development of Internet finance. Therefore, the establishment of the asset securitization trading market of the Internet consumer industry, It is urgent for Internet consumer finance enterprises to train outstanding Internet financial talents and find the correct position of enterprises quickly and realize accurate marketing.
【作者单位】：辽宁大学经济学院;河南职业技术学院;
【基金】：国家社会科学基金重大招标项目(11&ZD146) 辽宁省教育厅哲学社会科学重大基础理论项目(Zw2013003)
【分类号】：F832.479;F724.6

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