本文選題：互聯(lián)網(wǎng)金融　切入點(diǎn)：網(wǎng)絡(luò)消費(fèi)　出處：《安徽財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：新常態(tài)下中國(guó)特色社會(huì)主義市場(chǎng)經(jīng)濟(jì)正面臨供需錯(cuò)配、增速下滑等發(fā)展矛盾,既需要供給側(cè)結(jié)構(gòu)性改革來(lái)完成五大發(fā)展任務(wù),也需要依托強(qiáng)大的內(nèi)需刺激來(lái)進(jìn)行消化吸收,這些都將統(tǒng)一于五大發(fā)展理念之中。隨著互聯(lián)網(wǎng)移動(dòng)設(shè)備的逐步普及,網(wǎng)絡(luò)消費(fèi)成為新的重要消費(fèi)方式。另外,互聯(lián)網(wǎng)金融的創(chuàng)新發(fā)展為居民提供了便捷的消費(fèi)信貸和投融資渠道,互聯(lián)網(wǎng)金融的開(kāi)放、共享、普惠的價(jià)值理念也逐漸被人們所接受,互聯(lián)網(wǎng)金融正在成為新經(jīng)濟(jì)時(shí)代推動(dòng)內(nèi)需,刺激消費(fèi)的重要力量。因此,探究互聯(lián)網(wǎng)金融發(fā)展對(duì)居民消費(fèi)變化的影響具有重大現(xiàn)實(shí)意義。全文圍繞“現(xiàn)實(shí)-機(jī)理-實(shí)證-對(duì)策”的脈絡(luò)主線展開(kāi),試圖詳實(shí)地分析互聯(lián)網(wǎng)金融發(fā)展對(duì)居民消費(fèi)的影響。首先,通過(guò)現(xiàn)狀分析發(fā)現(xiàn),得益于國(guó)家政策的推動(dòng)以及網(wǎng)絡(luò)基礎(chǔ)設(shè)施的普及,互聯(lián)網(wǎng)金融得到了快速發(fā)展,網(wǎng)絡(luò)消費(fèi)規(guī)模也在不斷增大并逐漸成為互聯(lián)網(wǎng)經(jīng)濟(jì)時(shí)代的重要消費(fèi)形式,是居民的重要消費(fèi)方式之一。其次,本文從居民消費(fèi)需求、消費(fèi)心里以及消費(fèi)方式等多維度,分析了互聯(lián)網(wǎng)金融對(duì)居民消費(fèi)的影響機(jī)理,可以發(fā)現(xiàn)互聯(lián)網(wǎng)金融借助互聯(lián)網(wǎng)工具、大數(shù)據(jù)分析、便捷的消費(fèi)信貸模式提高了居民的當(dāng)期消費(fèi)傾向,能夠起到提高居民的消費(fèi)意愿,平滑居民跨期消費(fèi)水平的作用。再者,本文通過(guò)平滑轉(zhuǎn)移回歸模型和面板向量自回歸模型實(shí)證探究了互聯(lián)網(wǎng)金融對(duì)居民消費(fèi)的影響效果,分析發(fā)現(xiàn)互聯(lián)網(wǎng)金融對(duì)居民的網(wǎng)絡(luò)消費(fèi)存在非線性促進(jìn)作用,對(duì)居民人均消費(fèi)支出的影響十分顯著,與此同時(shí),居民收入仍然是制約居民消費(fèi)的主要因素。最后,基于本文的研究結(jié)論提出若干針對(duì)性的政策建議,以期能夠?yàn)榛ヂ?lián)網(wǎng)金融健康發(fā)展,為提高居民消費(fèi)起到建言獻(xiàn)策的作用,這一方面能為國(guó)家著力推動(dòng)互聯(lián)網(wǎng)金融發(fā)展提供理論支撐,另一方面也能為激發(fā)居民消費(fèi)需求,擴(kuò)大內(nèi)需提供新的發(fā)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.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F724.6;F832;F126.1

【引證文獻(xiàn)】

相關(guān)期刊論文 前1條

1 李薇;朱婷婷;;互聯(lián)網(wǎng)金融對(duì)居民消費(fèi)的影響[J];合作經(jīng)濟(jì)與科技;2018年06期

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本文編號(hào)：1717453