互联网环境下消费金融的商业模式、发展趋势与价值创造

The Business Model, Development Trend and Value Creation of Internet Consumer Finance

家庭财富的积累、移动互联网及智能终端的普及等消费环境的改善,使得消费金融日益互联网化。传统商业银行、消费金融公司、电商平台以及行业龙头公司依托资金、技术、数据、交易优势,不断从各自领域向外扩展,通过贴近消费场景和数据积累,推广消费金融服务,形成了各具特色的消费金融模式。消费金融呈现出大数据化、场景化和垂直化趋势,并推动中国消费金融向更快捷、更低息、更普惠的方向前进,提升了消费者的效用及话语权,创造了新的社会价值。

Internet consumer finance is becoming increasingly popular due to the accumulation ofhousehold wealth, popularity of mobile internet smart terminals and improvement of consumptionenvironment. By utilizing advantages in capital, technology, data and transaction, traditionalcommercial banks, consumer finance companies, e-commerce platforms and leading companies areexpanding their business scope from almost every field and establishing consumer finance modelswith various characteristics. Consumer finance displays the tendency of big data, scene and verticalityand is becoming more convenient, lowering down interest rate and consumer-friendly so as toimprove consumers5 efficacy and right of speech and create new social values.