消费金融研究综述

Survey of consumer finance research

本文在阐释消费金融研究范畴的基础上,创新性地综合运用文献计量与文本挖掘方法,系统梳理消费金融研究脉络,以五大核心议题重新构建消费金融研究体系,并进一步指出未来可能的研究方向.第一,利用CiteSpace软件对1998年至2020年间中英文核心数据库的期刊文献进行分析,总结得出中英文文献在不同时间段的不同研究重点,并指明当前的研究热点.第二,基于Python文本挖掘方法对行业研究报告关键词进行提炼,探析行业关注点,提出新的研究阶段下消费金融发展的"五新"特征.第三,综合上述研究,总结得出五大核心议题,以此重塑消费金融的研究体系,并详细探讨各议题的重点研究内容.第四,从五个方面提出消费金融未来可能的研究方向和思考问题.本文期望拓宽消费金融的研究边界,推动行业发展与进步,进而为我国需求侧改革与双循环新发展格局的建设提供有价值的参考.

Based on explaining the research scope of consumer finance,this paper innovatively combines bibliometrics and text mining methods to systematically sort out the research context of consumer finance,rebuild the research system with five core topics,and provide possible directions for future research in this field.First,this paper uses CiteSpace to analyze the core journals in the Chinese and English databases from 1998 to 2020.Then,the article summarizes different research focuses of Chinese and English literature at different time periods,and indicates the current research hotspots.Second,the paper refines the key words of the industry research reports by Python text mining method,and proposes five new characteristics of consumer finance in the new development stage.Third,the article summarizes five core topics to reshape the research system of consumer finance,and explains the key research content of each topic in detail.Fourth,we put forward possible future research directions of consumer finance from five different aspects.This article hopes to broaden the research boundary of consumer finance,promote the development and progress of the industry,and provide some valuable suggestions for our country’s demand-side reform and the establishment of a dual circulation development pattern.