论文总字数：25793字

摘 要

消费是驱动我国经济快速发展的三驾马车之一，可以说是在我国的经济稳定中发挥了难以替代的作用，并且其地位在未来也将越来越重要。同时扩大内需，促进供给侧改革也符合当前的经济形势，所以促进居民消费是一件至关重要的事。消费金融是能够服务于居民消费的重要的金融资源，它本身为消费者所提供的各种方便快捷的金融服务如金融信贷，新型的支付方式等，通过市场的效应，有效地促进了居民的消费倾向、扩大了他们的消费需求，对消费驱动我国经济发展起到了重要的作用。

本文去了解消费金融，认识它的概念和内涵，之后通过查阅文献和官方数据，对我国当前的消费金融和居民消费的现状有了初步的认知。随后开始研究分析消费金融是如何居民消费，从消费金融的对我国居民的储蓄结构所产生了影响、消费信贷的影响、消费方式和支付方式的革新、多元的风险管理工具促进居民消费等多方面分析消费金融对我国居民消费带来了很多的影响。同时分析传导这种影响的平滑机制和增值机制的作用，从而有效证明消费金融的功能可以实现对居民消费的提升和消费结构优化。

最后，我们能够从本文中消费金融是可以多方面地影响居民消费这样的结果，提出相关的政策建议。首先应当去切实考察了解我国消费金融市场的现状，去有效地对我国目前的消费金融体系进行完善，让消费金融市场的参与者能够尽量地多元化，使得金融服务功能多样化，这样才能使消费金融的健康持续的发展；从管理者的角度来说，应当做好政府相关机构的监管职责，通过立法和政策的推行，一方面鼓励促进消费金融发展的同时也要严格监督其发展的健康；最后，我们着眼于消费者本身，去完善当前的社会保障体系，从社会环境的改变入手，改善居民的实际条件使其不必有太多的后顾之忧，自然能让消费金融更加广泛地被接受和使用。

关键字：消费金融 居民消费行为 消费信贷 风险管理工具

The influence of consumer finance on the consumption of Chinese Residents

Abstract

Consumption is driving the rapid development of China's economy. It plays an role in the stable process of China's economy, and its position will become more and more important. At the same time, expanding domestic demand and promoting supply-side reform are also in line with the current economic situation, so it is of vital importance to promote household consumption. Consumer finance is to be able to serve the residents' consumption of the important financial resources, it is provided by a variety of convenient and quick for consumer financial services such as financial credit, a new type of payment, etc., through the effect of the market, effectively promoted the residents consumption tendency, expand the consumption demand, improve the level of the residents' consumption, greatly enhance the driving function of consumption of our country's economy. Therefore, it is good to study the consumer finance and household consumption.

Firstly, this paper has a certain understanding of consumer finance and its concept and connotation. Then, by consulting literature and official data, it has finance and residents' consumption in China. After that, it began to study and analyze the factors that consumer finance affects household consumption. This paper analyzes the positive impact from the aspects of consumer finance's change to savings structure, the innovation of consumption mode and payment mode brought by new technology, and the promotion of residents' consumption by diversified risk management tools. At the same time, the effects of the smoothing and the value-added of the transmission of this effect are analyzed.

Finally, based on the analysis results of consumer finance affecting residents' consumption behavior in many aspects, some policy Suggestions are put forward. Firstly, according to the current situation of China's consumer finance market, we should improve China's current consumer finance system, diversify the participants of the consumer finance market and provide diversified financial services, so as to contribute to the healthy and sustainable development of consumer finance. From the perspective of managers, they should be nice in the supervision of relevant government agencies.They should promote consumer finance and on the other hand, they should strictly supervise its healthy development through the implementation of legislation and policies. Finally, we focus on the consumers themselves, to improve the current system, starting with the changes in the social environment, to improve the actual conditions of residents and they worry particularly, can make consumer finance more widely accepted and used.

Keyword：Consumer finance ； Consumer behavior ； Consumer credit ； Risk management tool

目录

摘要 2

第一章 导论 6

1.1研究背景和研究意义 6

1.1.1 研究背景 6

1.1.2研究意义 7

1.2文献综述 7

1.2.1消费金融的概念 7

1.2.2相关理论基础 7

1.2.3国内外文献研究 8

1.3 研究内容和研究方法 9

第二章 我国消费金融和居民消费现状 10

2.1 我国消费金融发展现状 10

2.1.1 商业银行 10

2.1.2 消费金融公司 11

2.1.3互联网消费金融平台 12

2.2我国居民消费现状 13

2.2.1我国居民消费水平 13

2.2.2我国居民消费结构 14

2.2.3我国居民消费方式 15

第三章 我国消费金融对居民消费影响 17

3.1我国消费金融对我国居民消费倾向影响 17

3.1.1 储蓄结构对消费倾向影响 17

3.1.2 消费贷款对消费倾向影响 18

3.1.3 金融投资对消费倾向影响 19

3.2我国消费金融对我国居民消费需求影响 19

3.2.1 金融信贷对居民消费需求的影响 19

3.2.2 非现金支付工具对居民消费需求的影响 20

3.2.3 风险管理工具对居民消费需求的影响 21

3.3我国消费金融对我国居民消费升级的促进 21

3.3.1 互联网消费金融产品促进消费升级 21

3.3.2 消费风险弱化促进消费升级 22

3.3.3金融资产增加促进消费升级 22

第四章 我国消费金融对居民消费影响的传导机制 23

4.1消费金融对居民消费的平滑机制 23

4.1.1 支付手段对居民消费的支付平滑 23

4.1.2 消费金融对居民消费的预算平滑 24

4.2消费金融对居民消费的增值机制 24

4.2.1 金融投资对居民的收益效应 24

4.2.2 金融投资对居民的财富效应 25

第五章 政策建议 25

5.1积极完善消费金融体系 25

5.2普及金融知识，改善消费者理念 26

5.3完善社会保障制度 27

第六章 结论 28

参考文献 29

致谢................................................................................................................................................30

1. 导论

1.1研究背景和研究意义

1.1.1 研究背景

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