刘莹_201613260618_基于SWOT分析的互联网消费信贷发展研究.docx

PAGE\*MERGEFORMAT1PAGE\*MERGEFORMAT19基于SWOT分析的互联网消费信贷发展研究摘要：近年来，中国的社会主义经济发展水平和国民收入急剧上升，个人消费已逐渐从用现有收入和存款来决定消费水平的传统模式，转向“花明天的钱，圆今天的梦”的超前消费模式。互联网消费信贷是网络时代下的产物，对提升金融服务和促进消费升级等都有着积极意义。互联网技术和消费信贷互相渗透，互相融合，中国消费信贷行业靠此蒸蒸日上，对互联网金融创新发展产生了积极的促进作用。本文通过SWOT分析研究方法，来分析互联网消费信贷的发展状况和经济发展前景，并在此基础上提出了建议及对策。关键词：消费信贷；互联网金融；SWOT分析TheResearchontheDevelopmentofInternetConsumerCreditBasedonSWOTAnalysisAbstract:Inrecentyears,China’ssocialisteconomicdevelopmentlevelandnationalincomehaverisensharply.Personalconsumptionhasgraduallyshiftedfromthetraditionalmodelofusingexistingincomeanddepositstodeterminethelevelofconsumption,totheadvancedconsumptionof“spendingtomorrow’smoneytofulfilltoday’sdream”mode.InternetconsumercreditisaproductoftheInternetera,andhasapositivesignificanceforimprovingfinancialservicesandpromotingconsumptionupgrades.Internettechnologyandconsumercredithavepenetratedandmergedwitheachother.China'sconsumercreditindustryhasflourishedonthisbasis,whichhasplayedapositiveroleinpromotingthedevelopmentofInternetfinanceinnovation.ThispaperanalyzesthedevelopmentstatusandeconomicdevelopmentprospectsofInternetconsumercreditthroughSWOTanalysisandresearchmethods,andputsforwardsuggestionsandcountermeasuresonthisbasis.Keywords:Consumercredit;Internetfinance;SWOTanalysis目录TOC\h\z\t"样式1,1,样式2,1,样式3,1,样式5,1"HYPERLINK\l"_Toc39403111"摘要PAGEREF_Toc39403111\h1HYPERLINK\l"_Toc39403112"关键词PAGEREF_Toc39403112\h1HYPERLINK\l"_Toc39403113"绪论PAGEREF_Toc39403113\h4HYPERLINK\l"_Toc39403114"1互联网消费信贷的发展现状PAGEREF_Toc39403114\h4HYPERLINK\l"_Toc39403115"1.1互联网消费信贷起步较晚，但发展较快PAGEREF_Toc39403115\h4HYPERLINK\l"_Toc39403116"1.2用户多为收入较低的年轻群体PAGEREF_Toc39403116\h5HYPERLINK\l"_Toc39403117"1.3征信体质不健全，风险控制成本高PAGEREF_Toc394