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CREDIT REFERENCE
2015年
6期
73-77
,共5页
消费金融%互联网消费金融%第三方支付%互联网理财%互联网贷款
消費金融%互聯網消費金融%第三方支付%互聯網理財%互聯網貸款
소비금융%호련망소비금융%제삼방지부%호련망리재%호련망대관
consumer finance%internet consumer finance%third-party payment%internet wealth management%internet credit
消费金融是刺激消费、稳定经济增长的一种重要手段。在互联网金融背景下，消费金融发展出现新趋势，以电商巨头为代表的互联网企业积极介入消费金融市场，传统消费金融机构纷纷“触网”。互联网消费金融对消费金融市场的影响主要是：改变市场格局，扩大市场规模，提高市场效率。建议完善法律及信用环境，鼓励探索各种互联网消费金融模式，实行功能化和差异化监管。
消費金融是刺激消費、穩定經濟增長的一種重要手段。在互聯網金融揹景下，消費金融髮展齣現新趨勢，以電商巨頭為代錶的互聯網企業積極介入消費金融市場，傳統消費金融機構紛紛“觸網”。互聯網消費金融對消費金融市場的影響主要是：改變市場格跼，擴大市場規模，提高市場效率。建議完善法律及信用環境，鼓勵探索各種互聯網消費金融模式，實行功能化和差異化鑑管。
소비금융시자격소비、은정경제증장적일충중요수단。재호련망금융배경하，소비금융발전출현신추세，이전상거두위대표적호련망기업적겁개입소비금융시장，전통소비금융궤구분분“촉망”。호련망소비금융대소비금융시장적영향주요시：개변시장격국，확대시장규모，제고시장효솔。건의완선법률급신용배경，고려탐색각충호련망소비금융모식，실행공능화화차이화감관。
Consumer finance is an important means of stimulating consumption and stabilizing economic growth. Un-der the background of internet finance, there is a new development trend for consumer finance, that is, the Internet companies represented by giant E-business companies are actively involved in consumer finance markets and the tra-ditional consumer financial institutions become internet-enabled. The impact of Internet consumer finance upon the consumer financial market mainly is to change market pattern, expand the scale of market and improve the efficiency of market. The proposal is as follows: to improve the law and credit environment, encourage companies to explore various Internet consumer finance patterns, and implement functional and differential regulation.
