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论文编号：	10074
作者编号：	2120162736
上传时间：	2018/6/7 21:59:34
中文题目：	互联网消费信贷对城市居民消费行为的影响——以天津市为例
英文题目：	Influence of The Internet Consumer Credit to Urban Residents’ Consumption Behavior: Tianjin for Example
指导老师：	杨坤
中文关键字：	互联网消费信贷；消费行为；提前消费；分期消费；消费决策
英文关键字：	Internet consumer credit, consumption behavior, advanced consumption, instalment consumption, consumer decision
中文摘要：	2013年被称为互联网金融元年，互联网思维和互联网技术与金融行业的融合对传统金融业态形成巨大冲击，而以阿里巴巴、京东、腾讯、百度等为代表的互联网巨头，利用自身流量和通道优势，积极布局互联网消费金融，在三年时间里便融入到居民生活的方方面面，影响着一代人的消费习惯和消费观念。据艾瑞咨询的数据表明，2017年我国互联网金融放贷规模达到4.4万亿，增长率高达904%。在商业模式上，除依托电商平台的互联网消费信贷公司，另有许多公司深耕特定消费场景，提供特色信贷服务。互联网消费信贷以其低成本、快速审批、快捷放贷、一键还款的特性，被我国大部分居民所接受。 城市居民是消费水平、受教育程度、与互联网技术接触程度较高的一群人，也是目前互联网消费信贷的主要使用者。借助互联网消费信贷，城市居民可以实施满足资金周转、提前消费、分期消费、信誉消费等不同需要的消费行为。尤其是一部分小额消费信贷在一定程度上能够替代信用卡，无利息且审批门槛极低，能够覆盖无稳定收入的大学生群体。考察互联网消费信贷对城市中不同年龄段、不同职业人群消费行为的影响，有利于了解该行业的发展前景和发展漏洞，找到行业发展的方向。 本文采用定性分析与定量分析相结合的方法，首先将互联网消费信贷的审批流程、技术特征，与城市居民消费行为的决策过程结合起来，分析金融公司与居民之间的交互机制，找到产生影响的关键环节。通过文献梳理、整合，结合前文所述交互机制，对互联网消费信贷影响下的居民消费行为进行解剖，然后通过问卷调查的方式考察居民借贷、收入和消费情况，并将回收的数据利用回归分析方程进行分析，证明互联网消费信贷对于提前消费、分期消费行为的影响，并得出研究结论，针对研究结论提出意见建议。
英文摘要：	2013 is known as the first year of Internet finance. The Internet thinking and technology integrated with financial industry had a huge impact on traditional financial forma. Alibaba, Jingdong, Tencent, Baidu, as the representatives of the Internet giants, using its own customer flow and channel advantages, actively deploy Internet consumer finance. In three years they have been integrated into all aspects of residents’ life, influencing residents’ consumption habits and consumer attitudes. According to ARI's data, in 2017, the scale of Internet finance lending in China reached 4 trillion and 400 billion, with a growth rate up to 904%. In the business model, in addition to the Internet consumer credit companies relying on the e-commerce platform, many other companies are deeply cultivating in consumer scenes and providing special credit services. The Internet consumer credit is accepted by most of the residents in China for its low cost, rapid approval, rapid lending, and one-click repayment. Urban residents are a group of people with a relatively high level of consumption, education, and access to the Internet. They are also the main users of Internet consumer credit. With the help of internet consumer credit, urban residents can implement consumer behaviors that meet different needs such as cash flow, advance consumption, staged consumption, and credit consumption. In particular, some small-sum consumer credits can replace credit cards to a certain extent, have no interest and have very low approval thresholds, and can cover college students who have no stable income. Examining the impact of internet consumer credit on consumer behaviors of different age groups and occupational groups in cities will help to understand the industry's development prospects and development loopholes and find the direction of the industry's development. This article uses a combination of qualitative analysis and quantitative analysis. First, it combines the examination and approval processes and technical characteristics of Internet consumer credit with the decision-making process of urban residents' consumption behavior. Analyze the interaction mechanism between financial companies and residents to find out the impact and the key link. Through combing and integrating the literature, combined with the interaction mechanism described in the previous section, we dissect the consumer behavior under the influence of Internet consumer credit, then survey the residents’ lending, income, and consumption through questionnaires, and put the recovered data into regression analysis equations. The analysis was conducted to prove the impact of Internet consumer credits on early consumption and staged consumption behaviors, and to draw conclusions of the study, and to put forward opinions and suggestions on the research conclusions.
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