本文選題：消費(fèi)　切入點(diǎn)：互聯(lián)網(wǎng)消費(fèi)金融　出處：《吉林大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：中國經(jīng)濟(jì)在進(jìn)入新常態(tài)后,投資和出口開始出現(xiàn)增速放緩和疲軟的情況,而擴(kuò)大內(nèi)需,刺激消費(fèi)便成為新時(shí)期中國經(jīng)濟(jì)成功轉(zhuǎn)型和發(fā)展的重中之重。黨中央適時(shí)提出供給側(cè)結(jié)構(gòu)性改革,并積極鼓勵(lì)大眾消費(fèi),特別是鼓勵(lì)進(jìn)行信息、旅游、休閑、文化教育等新的消費(fèi)領(lǐng)域的消費(fèi),旨在提高消費(fèi)層次,促進(jìn)消費(fèi)結(jié)構(gòu)的優(yōu)化升級(jí),使消費(fèi)更好地發(fā)揮拉動(dòng)經(jīng)濟(jì)增長的作用。近幾年,國家開始重視消費(fèi)金融行業(yè)的發(fā)展,而2015年“互聯(lián)網(wǎng)+”計(jì)劃的提出,加深了互聯(lián)網(wǎng)與消費(fèi)金融行業(yè)的融合,互聯(lián)網(wǎng)消費(fèi)金融應(yīng)運(yùn)而生。互聯(lián)網(wǎng)消費(fèi)金融是指商業(yè)銀行或有相關(guān)資質(zhì)的互聯(lián)網(wǎng)金融機(jī)構(gòu)或企業(yè)利用互聯(lián)網(wǎng)技術(shù)和信息通信技術(shù),(1)向消費(fèi)者提供資金使其能購買或使用商品的新型金融服務(wù)方式和運(yùn)作模式�；ヂ�(lián)網(wǎng)消費(fèi)金融因其無擔(dān)保、無抵押、零首付和零利率等寬松的申貸條件及放貸快等特征,一經(jīng)推出便受到廣大消費(fèi)者特別是年輕消費(fèi)群體的歡迎和追捧,行業(yè)因此在短期內(nèi)以驚人的速度高速發(fā)展。但過快的發(fā)展速度造成行業(yè)存在大量風(fēng)險(xiǎn),而各互聯(lián)網(wǎng)消費(fèi)金融平臺(tái)的規(guī)模和抗風(fēng)險(xiǎn)能力參差不齊,消費(fèi)者風(fēng)險(xiǎn)防范意識(shí)也較差。這些都成為行業(yè)監(jiān)管無法逾越的障礙,導(dǎo)致監(jiān)管滯后,難以及時(shí)對(duì)行業(yè)進(jìn)行有效的、具有針對(duì)性的監(jiān)控和管理。本文以馬克思的消費(fèi)理論和信用理論、亞當(dāng)·斯密的消費(fèi)理論和習(xí)近平關(guān)于消費(fèi)、金融、誠信等方面的思想和理論作為理論支撐與指導(dǎo),對(duì)我國互聯(lián)網(wǎng)消費(fèi)金融存在的風(fēng)險(xiǎn)進(jìn)行了全面的闡述和分析。以中國互聯(lián)網(wǎng)消費(fèi)金融發(fā)展的相關(guān)數(shù)據(jù)和真實(shí)案例為依托,詳細(xì)論述了互聯(lián)網(wǎng)消費(fèi)金融的概念、特征、運(yùn)作模式等內(nèi)涵,探討了行業(yè)發(fā)展過程中存在的風(fēng)險(xiǎn),并對(duì)出現(xiàn)的各種風(fēng)險(xiǎn)的致因進(jìn)行了剖析;最后,重點(diǎn)從政府、互聯(lián)網(wǎng)消費(fèi)金融經(jīng)營主體和消費(fèi)者三個(gè)層面提出了有益于中國互聯(lián)網(wǎng)消費(fèi)金融風(fēng)險(xiǎn)防控的對(duì)策和建議,以規(guī)范我國互聯(lián)網(wǎng)消費(fèi)金融市場,提高居民消費(fèi)質(zhì)量。第一章主要論述了論文的選題背景、選題意義、當(dāng)前國內(nèi)外對(duì)互聯(lián)網(wǎng)消費(fèi)金融的研究概況、論文的寫作思路與研究方法以及論文存在的創(chuàng)新點(diǎn)與不足等內(nèi)容,明確了論文的大體寫作脈絡(luò)和方向。第二章對(duì)互聯(lián)網(wǎng)消費(fèi)金融的理論進(jìn)行了詳細(xì)闡述。文章解釋了互聯(lián)網(wǎng)消費(fèi)金融的概念、運(yùn)作模式、特征等內(nèi)涵;重點(diǎn)詳細(xì)論述了馬克思的消費(fèi)理論和信用理論、亞當(dāng)·斯密的消費(fèi)理論和習(xí)近平促進(jìn)網(wǎng)絡(luò)安全和互聯(lián)網(wǎng)消費(fèi)金融發(fā)展的思想,并總結(jié)了互聯(lián)網(wǎng)消費(fèi)金融發(fā)展產(chǎn)生的積極效應(yīng),為下文的展開做了堅(jiān)實(shí)的理論鋪墊。第三章對(duì)我國互聯(lián)網(wǎng)消費(fèi)金融的現(xiàn)狀進(jìn)行了分析。文章對(duì)互聯(lián)網(wǎng)消費(fèi)金融的發(fā)展現(xiàn)狀進(jìn)行了簡要的介紹,并找到了我國互聯(lián)網(wǎng)消費(fèi)金融發(fā)展過程中存在的問題與風(fēng)險(xiǎn),最后,深入分析了風(fēng)險(xiǎn)產(chǎn)生的原因。第四章介紹了美國、歐盟和日本等發(fā)達(dá)國家促進(jìn)消費(fèi)金融發(fā)展和風(fēng)險(xiǎn)防控的經(jīng)驗(yàn),并總結(jié)出了有利于提升我國互聯(lián)網(wǎng)消費(fèi)金融風(fēng)險(xiǎn)防控能力的有益啟示。第五章對(duì)我國互聯(lián)網(wǎng)消費(fèi)金融風(fēng)險(xiǎn)防控提出了行之有效的對(duì)策和建議。論文從政府、互聯(lián)網(wǎng)消費(fèi)金融經(jīng)營主體和消費(fèi)者三個(gè)層面對(duì)提高我國互聯(lián)網(wǎng)消費(fèi)金融的風(fēng)險(xiǎn)防控能力和促進(jìn)行業(yè)健康、可持續(xù)發(fā)展提出了具有可行性的對(duì)策和建議。
[Abstract]:In the Chinese economy after entering the new normal investment and exports began to slowdown and weak, and the expansion of domestic demand, stimulate consumption has become a priority among priorities China economic restructuring and the development of the new period. The Central Party committee proposed the supply side structural reform, and actively encourage public consumption, especially to encourage information. Tourism, leisure, consumption culture and education of the new consumption, in order to improve the level of consumption, promote the optimization and upgrading of consumption structure, the consumption exert positive effects on economic growth. In recent years, the country began to develop as the consumer finance industry, and in 2015 the "Internet plus" plan proposed, to deepen the integration the Internet and the consumer finance industry, Internet consumer finance emerges. Internet consumer finance refers to commercial banks or Internet technology with the relevant qualifications of the Internet financial institutions or enterprises Information and communication technology, (1) a new type of financial service to provide funds to consumers to purchase or use of a commodity and the mode of operation. The Internet consumer finance because of its unsecured, unsecured, zero Shoufu and zero interest rate easing credit conditions and lending Shen characteristics such as fast, has been introduced by the vast number of consumers especially the young consumer groups are welcome and sought after industry, so in the short term at an alarming rate of rapid development. But the development speed of the industry caused by the existence of a large number of risks, and the consumer internet financial platform scale and anti risk ability is uneven, consumer awareness of risk prevention is also poor. These have become the industry regulation cannot insurmountable obstacles, lead to regulatory lag, the industry is difficult to carry out effective, in accordance with the monitoring and management of. Based on Marx's theory of consumption credit and consumption theory, Adam Smith And Xi Jinping's theory about the consumer, financial, integrity and other aspects of thought and theory as the theoretical support and guidance, risks of Internet consumer finance in our country are analyzed completely. Based on the data Chinese Internet consumer financial development and real examples, discusses in detail the concept of Internet consumer financial characteristics. The connotation of operation mode, discusses the risk existing in the development of the industry, and all kinds of risks of the cause of the analysis; finally, mainly from the three aspects of government, Internet consumer finance business entities and consumers put forward beneficial to China Internet consumer financial risk prevention and control countermeasures and suggestions, in order to standardize the market of Internet consumption finance of our country, improve the consumption quality. The first chapter mainly discusses the research background, significance, current research on Internet consumer finance The research status, existing writing ideas and research methods as well as the innovation and lack of content, the paper in the writing direction. The second chapter is the theory of Internet consumer finance in detail. This paper explains the concept of the Internet consumer financial operation mode, focuses on characteristics of connotation; Marx's consumption theory and credit theory, Adam Smith's theory of consumption and Xi Jinping to promote network security and Internet consumer financial development theory, and summarizes the positive effect of Internet consumer finance development, made a solid theoretical groundwork for the following parts. The third chapter analyzes the current situation of Internet consumer finance in China the development status of the Internet consumer finance. This paper makes a brief introduction, and found in China's Internet financial development in the process of consumption 鐨勯棶棰樹笌椋庨櫓,鏈，

本文編號(hào)：1564137