互联网背景下消费金融的发展模式研究  

Research on the Development Model of Consumer Finance under the Background of Internet

作　　者：王雅俊[1] 

机构地区：[1]宁夏大学经济管理学院,宁夏银川750021

出　　处：《技术经济与管理研究》2017年第11期79-83,共5页Journal of Technical Economics & Management

基　　金：理论经济学西部一流学科--"开放战略与区域经济"人文社科重点研究基地建设基金项目

摘　　要：2010年后,伴随着我国信息技术的快速发展以及互联网的普遍应用,互联网的普及度有很大提高,为消费金融的发展提供了前所未有的机遇,也为提升金融业的服务水平奠定了基础。消费金融市场不仅促进了居民消费,还在稳定经济增长方面发挥了积极作用。在互联网背景下,消费金融与互联网技术紧密结合,使得传统的消费金融产品从线下转到线上,并滋生出许多创新型的消费金融产品服务。文章通过论述互联网背景下消费金融的发展背景,对互联网金融的特点及模式进行了详细的梳理,进一步阐明互联网消费金融的发展现状,切实分析了互联网消费金融的发展趋势及所面临的问题,并在此基础上从建立有效的评级机构、实施分类监管;扩展融资的渠道、发挥市场作用;集合信息资源、加强授信的精准性;严格规制监管的法律体系、提升监管法律位阶等方面提出相应的对策,以促进其健康稳定的发展。After 2010,with the rapid development of information technology and the popularity of the Internet applications inchina,the popularity of the Internet has greatly improved,provides opportunities for the development of consumer finance. Consumerfinance market will not only promote the consumption,play a positive role in stabilizing economic growth. Under the background ofInternet consumer finance with the Internet technology closely,develop many innovative consumer financial products and services. Thispaper discusses the development background and mode under the background of Internet consumer finance,to clarify the developmentstatus of the Internet consumer finance,development trend and analysis of Internet consumer finance and problems. On this basis,fromthe effectively establishment of rating agencies,the implementation of the classification regulation; expanding the financing channels,playing the role of the market;collecting information resources,enhancing the accuracy of credit; putting forward the correspondingcountermeasures to promote the development healthily and stably.

关 键 词：互联网 消费金融 精准营销 金融监管 

分 类 号：F724.6[经济管理—产业经济]