互联网金融背景下消费信贷特征及制约因素研究

Research on the characteristics and constraints of consumer credit in the context of internet finance

互联网经济背景下,消费信贷成为一种新消费方式。论文以互联网金融发展为背景,分析了我国消费信贷的现状及影响因素。研究结果发现,居民文化教育程度、消费观念等因素是制约消费信贷发展的主要影响因素,并在此基础上提出了发展消费信贷的政策建议。

Under the background of Internet economy,consumer credit has become a new way of consumption.Based on the development of Internet finance,this paper analyzes the current situation and influencing factors of consumer credit in China.The results show that the main factors restricting the development of consumer credit are the degree of culture and education,consumption concept and so on,and on this basis,some suggestions and policies for the development of consumer credit are put forward.