我国互联网消费金融发展的现状及趋势分析

Current Situation and Trend Analysis of Internet Consumer Finance in China

2013年,京东白条、分期乐等互联网消费金融产品纷纷上线,互联网消费金融行业在我国进入启动阶段,经过2015-2017年的快速增长期,进入2017年,国家出台各项资质、业务监管政策,行业进入整顿期。在未来,互联网消费金融将会进行纵横模式的深入发展,在监管方式、经营模式、驱动方式等方面进行创新。我国互联网消费金融市场长远良性的发展对我国消费拉动经济将起到重要作用。

In 2013, the Internet consumer products such as Jingdong IOUs and Fenqile came online one after another, Internet consumer finance has entered the start-up stage in China.After the rapid growth period from 2015 to 2017, in 2017, our country has promulgated various qualifications and business supervision policies, and the industry has entered a period of consolidation.In the future, the Internet consumer finance will develop vertically and horizontally, and innovate in supervision, operation and driving modes.The long?term and benign development of China's Internet consumer financial market will play an important role in stimulating the economy by consumption.