互联网金融背景下消费金融发展新趋势分析

An Analysis on New Development Trend of Consumer Finance under the Background of Internet Finance

消费金融是刺激消费、稳定经济增长的一种重要手段。在互联网金融背景下,消费金融发展出现新趋势,以电商巨头为代表的互联网企业积极介入消费金融市场,传统消费金融机构纷纷"触网"。互联网消费金融对消费金融市场的影响主要是:改变市场格局,扩大市场规模,提高市场效率。建议完善法律及信用环境,鼓励探索各种互联网消费金融模式,实行功能化和差异化监管。

Consumer finance is an important means of stimulating consumption and stabilizing economic growth. Under the background of internet finance,there is a new development trend for consumer finance,that is,the Internet companies represented by giant E-business companies are actively involved in consumer finance markets and the traditional consumer financial institutions become internet-enabled. The impact of Internet consumer finance upon the consumer financial market mainly is to change market pattern,expand the scale of market and improve the efficiency of market. The proposal is as follows： to improve the law and credit environment,encourage companies to explore various Internet consumer finance patterns,and implement functional and differential regulation.