新常态下我国互联网消费金融的表现、作用与前景

Expression,Role and Prospect of China's Internet Consumer Finance under New Normal Status

互联消费金融是服务实体经济的普惠金融,可使消费金融服务低成本、高效率地延伸到长尾人群,并低风险地覆盖广大中低收入人群。我国消费金融市场远未饱和,互联网消费金融具有广阔的发展潜力和创新空间,目前互联网消费金融服务模式主要有6种:传统商业银行的消费金融互联网化、消费金融公司的消费金融互联网化、电商平台提供的消费金融、分期购物平台提供的消费金融、垂直细分平台提供的消费金融和P2P平台提供的消费金融。偏爱网络购物和超前消费的年轻人群成为劳动力市场和消费市场的主流人群,其产生的羊群效应带动了网络经济的发展和整个社会的杠杆消费,互联网消费金融将持续有效地拉动我国经济增长。因此,要鼓励、规范和引导互联网消费金融健康发展。

Internet consumption finance is the financial inclusion to serve practical economy, its consumptionfinance service extends to long-tail group by low cost and high efficiency and covers extensive people with middleand low income at low risk. The domestic consumption finance market is far from finance has extensive development potential and innovative sp a c e, and currently internet consumption finance service model has six kinds such as traditional bank consumption finance in tern et, consumption finance internet of consumption financial company, consumption finance provided by e-commerce, consumption finance provided by installment platform, consumption finance provided by vertical subdivision platform, and consumption finance provided by P 2 P platform. The young people with the preference of internet shopping and in-advance consumptionbecome the mainstream people in labor market and consumption market,their producing herding effect drives thedevelopment of internet economy and leverage consumption of the whole society,and internet will continuously and effectively promote China , seconomic growth. Thus,we should encourage, standardize and guide the healthy development of internet consumption finance.