经济数字化转型下的互联网消费金融发展研究  

Research on the Development of Internet Consumer Fin

作　　者：熊忆[1] 王昕楠 李世鸿 周贤能 XIONG Yi;WANG Xinnan;LI Shihong;ZHOU Xianneng(Guangzhou University Guangzhou,Guangdong 510006)

机构地区：[1]广州大学,广东广州510006

出　　处：《中国商论》2023年第11期67-70,共4页China Journal of Commerce

基　　金：教育部产学合作协同育人项目(202101142035);2022年度广东省教学质量与教学改革工程项目:新文科背景下产品设计专业学生跨界意识与实践能力培养。

摘　　要：中国经济自2012年以来持续保持中高速增长,并逐渐达到较为稳定的发展状态,以传统的投资、进出口等手段为主要上升成分的经济结构转变为消费占比日益增长的经济结构。随着互联网时代的到来,互联网大众消费网站淘宝、天猫、京东、唯品会等迅速在消费市场中占领一席之地。2020年新冠疫情爆发后,互联网消费市场进一步扩大,成为社会共识,广大学者对此也进行了相关研究。本文根据对互联网消费各方面大量的收集调查,整理了中国互联网消费金融的特征、产业链、运作模式,剖析其中存在的风险及目前发展面临的问题,并提出互联网消费的未来发展策略,以供参考。Chinese economy has sustained medium and high growth rate since 2012 and has gradually reached a more stable state of development,with the economic structure,in which traditional means of investment,import,and export were the main components,transforming into an economic structure in which consumption accounted for an increasing proportion.With the advent of the Internet era,Internet mass consumption platforms such as Taobao,Tmall,Jingdong,and Vipshop quickly took their place in the consumer markets.The further expansion of the Internet consumption markets after the outbreak of the pandemic in 2020 has attracted widespread attention in society,while a wide range of scholars have conducted studies on the subject.Based on a large number of collected surveys on various aspects of Internet consumption,the characteristics of Internet consumer fi nance,industrial chains,and operation models of Internet consumer fi nance in China are combed through,the risks involved and the problems faced by the current development are analyzed,and the future development strategies of Internet consumption are discussed as reference.

关 键 词：互联网消费金融 互联网消费者 消费金融发展 消费金融特点 消费市场 

分 类 号：F830.9[经济管理—金融学]