Study On The Current Situation And Influence Factors Of Consumer Credit Under The Background Of Internet

Socialism with Chinese Characteristics enters a new era,social contradictions in China have changed,and people’s consumption demand has also changed,which also shows that Chinese residents have increased their demand for consumption upgrading.Consumption is the purpose of production.Consumption promotes the development of production.When consuming,we need not only the desire to consume,but also the ability to consume.The state also encourages residents to consume.In 2018,the central bank lowered the standard four times.This measure once again encourages residents to consume.Today,with the rapid popularization of the Internet,the post-80 s,post-90 s and post-00 s become the main forces of consumption.Their consumption concept has changed a lot,and they even advocate living in the present and consuming ahead of time,so that they can expand their current consumption capacity,promote consumer consumption upgrading,and meet the consumption needs of residents.The development of consumer credit in the context of the Internet will affect the future economic development of our country.Therefore,this paper studies the current situation of consumer credit in the context of the Internet and its influencing factors.Su is of great significance.This paper studies the current situation and influencing factors of consumer credit in the context of the Internet,including theoretical analysis and empirical analysis.In the theoretical aspect,the paper first briefly introduces the background and significance of the article writing,the content and methods of the study,and the innovation and deficiencies of this article.Then it introduces the theoretical basis related to consumer credit,and analyses the consumer credit in the context of the Internet.This paper briefly introduces three typical P2 P platforms.Empirically,it analyses the influencing factors of consumer credit in the context of the Internet.First,it makes a descriptive analysis,and then makes an empirical analysis based on the data from 2005 to 2017.The results show that per capita disposable income has a significant impact on consumer credit in different regions.Besides the Eastern region,society has a significant impact on consumer credit.The impact of security level on consumer credit is negative;the impact of per capita GDP on consumer credit is not significant;in addition to the western region,the balance of RMB deposits in financial institutions has a significant positive impact on consumer credit;the level of urbanization has a positive impact on consumer credit;finally,it puts forward suggestions to develop consumer credit steadily so that consumers can consume and are willing to consume,so as to promote the healthy and steady development of consumer credit in China,and promote the high-quality development of China’s economy.