我国个人消费金融发展研究.pdf

Abstract IIl tlle backgrouIld of eXp锄diIlg domestic dem锄d a11d promo血g cons眦lption in our counnM tlle development of personaj consumer finaJlce is siglli矗cant．n can proVide finaIlcial support for coIlSumers to eXp锄d tlle e侬斌ivc demaIlds ofⅡ1e cons啪er market，promote the deVelopment of consumer indl蚓嚏y a11d stimulate economic伊owtll．It aJso c趾speed up t11e development of叫越l busiIless aIld intemediate bllsiness iIl f．manciaJ inStitutions，promote the developInent of business diVersification， improVe tlle seⅣice o玛aIlization system and s缸Ien垂hen tlle com删tiveness of f．m如cial访stitution for t11e business growtll to proVide great potential profit point．The deVelopment of personal cons啪er fiI姗ce can promote aIl e脏ctiVe a4jus仃11ent of economic s仇lcture alld make a compreheIlSiVe up铲ade in iIldustriaJ s仇lctu】汜．To ensure sta_ble觚d r印id economic development， economic growtll Should rely on coordinated pulling of consumption，iIⅣesnnent and export．n also caIl promote tlle up伊ading锄d仃a_Ilsfomation of reside幽’conSumption to meet me缸ll mge of difrerent leVels of consumer demands，greatly e11llanciIlg the cons啪ption leVel and liVing staIl捌s of people．Thjs tllesis studied on cons眦er finaIlce．Firstlyit eXpouIldsⅡle tlleoretical aIld praCtical si嘶矗c姐ce of researching cons啪er finance．Secondly，the theoretical bases for research on consulner 611锄ce are explailled；the rcsearch statIls锄d results at home aIld abroad are described in tlle 6eld of collSulner f-mance；partly representatiVe a11d iⅢ1uentid academic Viewpo缸 are listed．Next，coIlSumer fmaIlce is defined锄d me sc叩e of咖dy is西Ven a cleally definition and a detail description．Then，the development of condition of personal cons啪er finaIlce is aIlalyzed， includiIlg： oppo枷ties， adv锄ta=ges，tllreats aIld 、veal【Ilesses．LaterⅡ1e SWOT-LCVP model a11alysis is used i11 t11is aIticle，there are oppomlllities锄d t11reats in me extemal enViroment，advantages锄d weaknesses 诵“n tlle financial institutions in the combination of two，aIld tllen to be giVen tlle qua