本文選題：互聯(lián)網(wǎng) + 消費金融��； 參考：《技術經(jīng)濟與管理研究》2017年11期

【摘要】：2010年后,伴隨著我國信息技術的快速發(fā)展以及互聯(lián)網(wǎng)的普遍應用,互聯(lián)網(wǎng)的普及度有很大提高,為消費金融的發(fā)展提供了前所未有的機遇,也為提升金融業(yè)的服務水平奠定了基礎。消費金融市場不僅促進了居民消費,還在穩(wěn)定經(jīng)濟增長方面發(fā)揮了積極作用。在互聯(lián)網(wǎng)背景下,消費金融與互聯(lián)網(wǎng)技術緊密結合,使得傳統(tǒng)的消費金融產(chǎn)品從線下轉(zhuǎn)到線上,并滋生出許多創(chuàng)新型的消費金融產(chǎn)品服務。文章通過論述互聯(lián)網(wǎng)背景下消費金融的發(fā)展背景,對互聯(lián)網(wǎng)金融的特點及模式進行了詳細的梳理,進一步闡明互聯(lián)網(wǎng)消費金融的發(fā)展現(xiàn)狀,切實分析了互聯(lián)網(wǎng)消費金融的發(fā)展趨勢及所面臨的問題,并在此基礎上從建立有效的評級機構、實施分類監(jiān)管;擴展融資的渠道、發(fā)揮市場作用;集合信息資源、加強授信的精準性;嚴格規(guī)制監(jiān)管的法律體系、提升監(jiān)管法律位階等方面提出相應的對策,以促進其健康穩(wěn)定的發(fā)展。
[Abstract]:After 2010, with the rapid development of information technology and the widespread application of the Internet, the popularity of the Internet has been greatly improved, which provides an unprecedented opportunity for the development of consumer finance. It has also laid the foundation for improving the service level of the financial industry. Consumer financial markets not only promote consumer consumption, but also play an active role in stabilizing economic growth. Under the background of Internet, the close combination of consumer finance and Internet technology makes the traditional consumer financial products move from offline to online, and breed many innovative consumer financial products services. By discussing the development background of consumer finance under the background of the Internet, this paper makes a detailed analysis of the characteristics and patterns of Internet finance, and further clarifies the present situation of the development of Internet consumer finance. This paper analyzes the development trend of Internet consumer finance and the problems it faces, and on this basis, from the establishment of effective rating agencies, the implementation of classified supervision, the expansion of financing channels, the role of the market, the collection of information resources, Strengthen the accuracy of credit, strictly regulate the legal system of supervision, improve the legal rank of supervision and put forward the corresponding countermeasures to promote its healthy and stable development.
【作者單位】： 寧夏大學經(jīng)濟管理學院;
【基金】：理論經(jīng)濟學西部一流學科——“開放戰(zhàn)略與區(qū)域經(jīng)濟”人文社科重點研究基地建設基金項目
【分類號】：F724.6;F832

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