A Study On The Factors Influencing The Development Of Consumer Finance In The Internet Age

In 2016. during the "two sessions", the central bank again RRR. again from the side of this policy to encourage consumption. Under the new normal economy, upgrading of China's economic transition from investment-led transition to a consumer-led step by step, in order to further active consumption, the State Council has put in consumer finance rose to national strategies. Customer finance development has huge potential. Contains about 70 trillion blue ocean market. In consumer finance guide consumption and inclusive finance upgrades to supply innovation to create consumer demand, not only will further stimulate consumption, stimulating industrial transformation and upgrading, but also promote economic growth, efficiency, quality improvement, has become a core element of the supply-side structural reforms.Mobile Internet technology in the field of consumer finance, customer finance such services more inclusive, to cover more low-end user groups. It can be said consumer financial development has now entered the "Diamond Age", consumer finance referendum later in the activation energy, optimize the consumption structure, promote the upgrading of consumption has played a key supporting role.The bank consumer finance business is becoming a new growth point although the banking arrived winter; consumer finance company development spurt; electricity supplier companies to control the consumption of consumer finance; P2P net loan began to force the consumer finance; respond to new competitive economic surplus strategy, traditional consumer finance companies strategy. But the concern is that banks and other traditional financial institutions do not understand the financial consumption; retail, food, tourism, education and other consumer finance companies understand the consumer and understand; electricity, Internet agencies understand the Internet and understand consumer finance; and consumer those of consumer financial awareness, insufficient literacy practitioners, etc. lack of consumer financial concepts to its long-term development challenges.This paper is divided into five parts, the core chapters for the third, fourth and fifth parts, it describes the current situation of consumer financial development and risk analysis of issues affecting consumer finance development of factor analysis and empirical analysis, in the Internet consumer finance sound financial background it recommends the development of three aspects. Thesis mainly involves consumer finance development course, kind, product, mode of operation, risk, and other factors specific content, and finally put forward development proposals.