互联网金融对居民消费的影响研究

发布时间：2018-04-06 02:02

本文选题：互联网金融　切入点：网络消费　出处：《安徽财经大学》2017年硕士论文

【摘要】：新常态下中国特色社会主义市场经济正面临供需错配、增速下滑等发展矛盾,既需要供给侧结构性改革来完成五大发展任务,也需要依托强大的内需刺激来进行消化吸收,这些都将统一于五大发展理念之中。随着互联网移动设备的逐步普及,网络消费成为新的重要消费方式。另外,互联网金融的创新发展为居民提供了便捷的消费信贷和投融资渠道,互联网金融的开放、共享、普惠的价值理念也逐渐被人们所接受,互联网金融正在成为新经济时代推动内需,刺激消费的重要力量。因此,探究互联网金融发展对居民消费变化的影响具有重大现实意义。全文围绕“现实-机理-实证-对策”的脉络主线展开,试图详实地分析互联网金融发展对居民消费的影响。首先,通过现状分析发现,得益于国家政策的推动以及网络基础设施的普及,互联网金融得到了快速发展,网络消费规模也在不断增大并逐渐成为互联网经济时代的重要消费形式,是居民的重要消费方式之一。其次,本文从居民消费需求、消费心里以及消费方式等多维度,分析了互联网金融对居民消费的影响机理,可以发现互联网金融借助互联网工具、大数据分析、便捷的消费信贷模式提高了居民的当期消费倾向,能够起到提高居民的消费意愿,平滑居民跨期消费水平的作用。再者,本文通过平滑转移回归模型和面板向量自回归模型实证探究了互联网金融对居民消费的影响效果,分析发现互联网金融对居民的网络消费存在非线性促进作用,对居民人均消费支出的影响十分显著,与此同时,居民收入仍然是制约居民消费的主要因素。最后,基于本文的研究结论提出若干针对性的政策建议,以期能够为互联网金融健康发展,为提高居民消费起到建言献策的作用,这一方面能为国家着力推动互联网金融发展提供理论支撑,另一方面也能为激发居民消费需求,扩大内需提供新的发展思路。
[Abstract]:Under the new normal, the socialist market economy with Chinese characteristics is facing development contradictions such as mismatch between supply and demand, declining growth rate, and so on. Both supply-side structural reforms are needed to complete the five major development tasks, and strong domestic demand stimulus is also needed for digestion and absorption.These will be unified in the five development concepts.With the gradual popularization of Internet mobile devices, network consumption has become a new important consumption mode.In addition, the innovative development of Internet finance has provided convenient consumer credit and investment and financing channels for residents. The value concept of opening up, sharing and universal access to Internet finance has been gradually accepted by people.Internet finance is becoming a new economic era to promote domestic demand, stimulate consumption of an important force.Therefore, it is of great practical significance to explore the impact of Internet financial development on residents' consumption changes.This paper focuses on the main thread of "reality-mechanism-positivist-countermeasure", and tries to analyze the influence of internet financial development on residents' consumption in detail.First of all, through the analysis of the status quo, it is found that, thanks to the promotion of national policies and the popularization of network infrastructure, Internet finance has developed rapidly.Network consumption scale is also increasing and gradually becoming an important form of consumption in the era of Internet economy, is one of the most important consumption patterns of residents.Secondly, this paper analyzes the influence mechanism of Internet finance on residents' consumption from the aspects of residents' consumption demand, consumption heart and consumption style. It can be found that Internet finance has the aid of Internet tools, big data has analyzed.The convenient consumption credit mode can improve the current consumption tendency of the residents, improve the residents' consumption intention and smooth the residents' intertemporal consumption level.Furthermore, this paper empirically explores the effect of Internet finance on residents' consumption through smooth transfer regression model and panel vector autoregressive model, and finds that Internet finance has nonlinear promoting effect on residents' network consumption.At the same time, the income of residents is still the main factor restricting the consumption of residents.Finally, based on the conclusions of this paper, some targeted policy recommendations are put forward in order to make suggestions for the healthy development of Internet finance and the improvement of residents' consumption.On the one hand, this can provide theoretical support for the national efforts to promote the development of Internet finance, on the other hand, it can also provide a new way of development for stimulating the consumption demand of residents and expanding domestic demand.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832;F126.1

【引证文献】