互联网个人消费信贷风险及其防范机制研究.docxVIP

PAGE PAGE 18 互联网个人消费信贷风险及其防范机制研究 摘 要 随着社会的发展，我国的经济不断增长，科技不断进步，从出门要带钱包，到刷卡，再到手机支付，支付手段正在发生翻天覆地的变化，这些支付手段的变化是由于人们的消费需求不断发生着改变。这些便利的支付方式不仅刺激了消费者的消费欲望，还改变了他们的消费观念。在互联网个人消费信贷的普及下，消费者崇尚活在当下，提前使用未来资金来增强自身的消费能力，满足消费需求。互联网个人消费信贷发展的同时也在影响着我国经济的发展，所以研究互联网个人消费信贷的风险及其防范机制就有了重要意义。 本文首先介绍了互联网消费信贷的含义及其特点；然后分析互联网个人消费信贷中可能带来的风险及成因；就互联网个人消费信贷的发展阐述必要性；对外国在消费信贷立法、监管等方面进行分析，提出值得我国学习和借鉴的地方；最后以风险为出发点试探性提出相关的防范措施，希望可以帮助互联网个人消费信贷业务的完善升级，从而促进互联网个人消费信贷的发展，推动我国互联网个人消费信贷市场的长足稳健发展。 关键词：个人消费信贷；信贷风险；互联网金融 Advertising research based on price-quality matrix Abstract With the development of society, Chinas economy continues to grow, and science and technology continue to progress. From carrying a wallet when going out, to swiping a card, and then to mobile phone payment, payment means are undergoing earth-shaking changes. These changes in the means of payment are due to the changing consumer demand. These convenient payment methods not only stimulate consumers consumption desire, but also change their consumption concept. With the popularity of personal consumption credit on the Internet, consumers advocate living in the present and using future funds in advance to enhance their consumption ability and meet their consumption needs. The development of Internet personal consumption credit is also affecting the development of Chinas economy, so it is of great significance to study the risk of Internet personal consumption credit and its prevention mechanism. This paper first introduces the meaning and characteristics of Internet consumer credit; Expound the necessity on the development of Internet personal consumption credit; Secondly, it analyzes the legislation and regulation of consumer credit in the United States and the United Kingdom, and puts forward some points for our country to learn from. Thirdly, the possible risks and causes of Internet personal consumption credit; Finally, relevant preventive measures are tentatively put forward based on risks, hoping to help improve and upgrade