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| 新常态下我国互联网消费金融的表现、作用与前景 |
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邵腾伟1,2，吕秀梅21,2
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1.重庆工商大学 财政金融学院，重庆 400067;2.西南大学 农林经济管理博士后流动站，重庆 400715
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| 摘要: |
| 互联消费金融是服务实体经济的普惠金融，可使消费金融服务低成本、高效率地延伸到长尾人群，并低风险地覆盖广大中低收入人群。我国消费金融市场远未饱和，互联网消费金融具有广阔的发展潜力和创新空间，目前互联网消费金融服务模式主要有6种：传统商业银行的消费金融互联网化、消费金融公司的消费金融互联网化、电商平台提供的消费金融、分期购物平台提供的消费金融、垂直细分平台提供的消费金融和P2P平台提供的消费金融。偏爱网络购物和超前消费的年轻人群成为劳动力市场和消费市场的主流人群，其产生的羊群效应带动了网络经济的发展和整个社会的杠杆消费，互联网消费金融将持续有效地拉动我国经济增长。因此，要鼓励、规范和引导互联网消费金融健康发展。 |
| 关键词: 互联网消费金融 普惠金融 消费信贷 长尾人群 互联网化 超前消费 网络购物 经济发展新常态 |
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| Expression, Role and Prospect of China’s Internet Consumer Finance under New Normal Status |
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SHAO Teng-wei1,2, LU Xiu-mei11,2
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1. School of Finance, Chongqing Technology and Business University, Chongqing 400067, China;2.Southwest University, Post Doctoral of Agriculture and Forestry Economic Management, Chongqing 400715,China
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| Abstract: |
| Internet consumption finance is the financial inclusion to serve practical economy, its consumption finance service extends to long-tail group by low cost and high efficiency and covers extensive people with middle and low income at low risk. The domestic consumption finance market is far from saturation, internet consumption finance has extensive development potential and innovative space, and currently internet consumption finance service model has six kinds such as traditional bank consumption finance internet, consumption finance internet of consumption financial company, consumption finance provided by e-commerce, consumption finance provided by installment platform, consumption finance provided by vertical subdivision platform, and consumption finance provided by P2P platform. The young people with the preference of internet shopping and in-advance consumption become the mainstream people in labor market and consumption market, their producing herding effect drives the development of internet economy and leverage consumption of the whole society, and internet consumption finance will continuously and effectively promote China’s economic growth. Thus, we should encourage, standardize and guide the healthy development of internet consumption finance. |
| Key words: internet consumer finance financial inclusion consumption credit long-tail group internet in advance consumption net-shopping new normalcy of economic development |
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