中国消费金融公司建设路径探讨.docVIP

中国消费金融公司建设路径探讨 　　 　　当前，我国进入全面建成小康社会的决胜阶段，我国正处在由出口导向型经济向以个人消费为中心的内需主导型经济转变的时期，消费作为促进经济增长的有效手段和途径，在整个国民经济发展中的地位和作用日益凸显。随着消费观念的转变、国民收入水平的提高和信息网络技术的不断发展，扩大了我国消费的新需求和新渠道，加上国家政策对消费金融的支持和放松，消费金融公司目前发展一片利好。在我国，消费金融是一片新兴的研究领域，与世界上发达国家相比较来说，发展还不成熟、不完善，仍有很长的一段路要走。因此，研究消费金融公司该如何发展、如何促进经济发展就显得尤为必要。 　　 　　我国经济进入新常态后，为发挥新消费引领经济的作用，以普惠金融为理念，为居民提供差异化的消费金融需求，从而加快推动产业转型升级，实现提质增效的目标。基于此，本文重点论述了发展消费金融公司的对策。本文第一章是绪论，阐述了本文研究的背景及意义。第二章定义了消费金融公司的概念，以及消费金融有关的理论。第三章重点讲述了目前我国消费金融公司的几种类型及主要现状。第四章通过探究国外消费金融公司的发展并与我国的消费金融的发展做了一个综合的比较，进而找出我国与国外的差别和差距。第五章重点研究了我国消费金融公司目前发展所面临的问题。第六章针对我国发展消费金融公司所遇到的困境提出了对策与建议。 　　 　　关键词：消费金融；消费信贷；信用体系 　　 　　ABSTRACT 　　 　　Nowadays, as our country develops into the decisive stage of comprehensiveconstruction of well-off society, it is in the period that economy transforms from theexport-oriented style into the domestic demand led style which personal consumptionis the center, and consumption, as an effective means and way for promotingeconomic growth, its status and role have become increasingly prominent in thedevelopment of national economy. With the change of consumption concept,improving level of national income and the continuous development of informationnetwork technology, the new demands and new channels of consumption expand, andthe consumer finance companies are currently developing positively coupled with thenational policy support and relaxation. In our country, consumer finance is a newresearch field, and there is still a long way to go for it is still immature and imperfectcomparing with the development of consumer finance in the developed countries inthe world. Therefore, it is very necessary to study how to develop consumer financecompanies and how to promote economic development. 　　 　　After China’s economy steps into the “new normal” phase, in order to play therole that new consumption leads economy, it should put inclusive finance as a conceptto provide residents with differentiated consumer financial needs, so as to acceleratethe transformation and upgr