互联网背景下消费金融模式案例分析与发展对策研究

发布时间：2018-05-20 05:52

本文选题：消费金融 + 互联网消费金融　；参考：《首都经济贸易大学》2017年硕士论文

【摘要】：随着我国居民消费观念的变化、国民收入和消费的提高,以及互联网技术的飞速发展,我国互联网消费金融在最近几年取得了快速的发展。从2010年我国开始开展消费金融试点开始,到2013年互联网消费金融兴起,我国的消费金融市场在良好的政策和市场环境下,迎来了发展的黄金时期。在短短几年内,无论是传统商业银行还是互联网平台,纷纷布局消费金融市场,并借助于先进的互联网技术创新出了与传统业务模式不同的新的商业模式。基于以上背景,本文采用历史研究法、对比分析法、案例研究法对互联网背景下消费金融的模式及发展策略进行研究和推理,重点对目前互联网消费金融市场中存在的几大主体进行分类,并分别选取其中典型案例进行研究,从而针对其中发现的问题提出五点改进建议:一是要大力推动传统消费金融行业和互联网相融合,更好地在顺应时代的背景下丰富消费金融市场主体;二是建议目前存在或即将进入消费金融市场的主体机构和公司能够创新差异化的业务模式,更多地关注目前消费金融市场中尚有待开发的空白市场和没有覆盖到的消费群体,通过提供具有差异化的消费金融产品和服务占领消费金融市场;三是扩大移动互联网消费金融的市场范围;四是在今后的计划中应逐步开始构建我国的征信体系,全面的掌握我国居民的信用程度,实现各行各业之间的信息共享;五是要不断加强我国互联网消费金融行业的监管,从互联网消费金融开展的各个环节和阶段进行规范。
[Abstract]:With the change of consumption concept, the improvement of national income and consumption, and the rapid development of Internet technology, China's Internet consumption finance has made rapid development in recent years. From the beginning of China's consumer finance pilot in 2010 to the rise of Internet consumer finance in 2013, China's consumer financial market has ushered in a golden period of development under good policy and market environment. In just a few years, both traditional commercial banks and Internet platforms have laid out consumer financial markets one after another, and with the help of advanced Internet technology, they have created new business models that are different from the traditional business models. Based on the above background, this paper uses the historical research method, the comparative analysis method, the case study method to carry on the research and the inference to the consumption finance pattern and the development strategy under the Internet background. Focus on the Internet consumer financial market in the existence of several main classification, and select one of the typical cases for research, In order to solve the problems, five suggestions are put forward: first, to promote the integration of the traditional consumer finance industry and the Internet, and to better enrich the main body of the consumer financial market under the background of adapting to the times; Second, it is suggested that the main institutions and companies that currently exist or will soon enter the consumer financial market can innovate the differentiated business model and pay more attention to the blank market and the uncovered consumer groups in the current consumer financial market. Through the provision of differentiated consumer financial products and services to occupy the consumer financial market; third, to expand the market scope of mobile Internet consumer finance; fourth, in the future plan, we should gradually begin to build a credit information system in our country. Comprehensively grasp the credit degree of Chinese residents and realize the information sharing among various industries; fifthly, we should constantly strengthen the supervision of the Internet consumer finance industry and standardize it from all aspects and stages of the Internet consumer finance.
【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】：2017
【分类号】：F724.6;F832

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