新常态下我国互联网消费金融的表现、作用与前景

发布时间：2018-12-16 03:21

【摘要】：互联消费金融是服务实体经济的普惠金融,可使消费金融服务低成本、高效率地延伸到长尾人群,并低风险地覆盖广大中低收入人群。我国消费金融市场远未饱和,互联网消费金融具有广阔的发展潜力和创新空间,目前互联网消费金融服务模式主要有6种:传统商业银行的消费金融互联网化、消费金融公司的消费金融互联网化、电商平台提供的消费金融、分期购物平台提供的消费金融、垂直细分平台提供的消费金融和P2P平台提供的消费金融。偏爱网络购物和超前消费的年轻人群成为劳动力市场和消费市场的主流人群,其产生的羊群效应带动了网络经济的发展和整个社会的杠杆消费,互联网消费金融将持续有效地拉动我国经济增长。因此,要鼓励、规范和引导互联网消费金融健康发展。
[Abstract]:Interconnected consumer finance is a kind of inclusive finance that serves the real economy. It can make consumer financial services low cost, efficiently extend to the long tail population, and cover the majority of middle and low income people at low risk. China's consumer financial market is far from saturated, Internet consumer finance has broad development potential and innovation space. At present, there are six main modes of Internet consumer finance service: traditional commercial banks of consumer finance Internet. The consumption finance of the consumer finance company is Internet, the consumption finance provided by the e-commerce platform, the consumption finance provided by the phased shopping platform, the consumption finance provided by the vertical subdivision platform and the consumer finance provided by the P2P platform. The young people who prefer online shopping and overspending become the mainstream of the labor market and consumer market, and the herd effect has driven the development of the network economy and the leveraged consumption of the society as a whole. Internet consumption finance will continue to effectively stimulate China's economic growth. Therefore, we should encourage, standardize and guide the healthy development of Internet consumer finance.
【作者单位】：重庆工商大学财政金融学院;西南大学农林经济管理博士后流动站;
【基金】：国家社会科学基金重点项目(14AJY021);国家社会科学基金一般项目(14BJY180) 中国博士后基金面上项目(2013M542249)
【分类号】：F724.6;F832

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