Essay代写：Consumer finance－r51due

下面为大家整理一篇优秀的essay代写范文- Consumer finance，供大家参考学习，这篇论文讨论了消费金融。消费金融，就是指与消费相关的所有金融活动。国外的消费金融最早来源于美国，而美国银行家协会界定的消费金融是银行消费贷款，而美联储把消费金融看成是家庭金融的一部分，美国联邦存款保险公司则将住房抵押贷款、住房净值贷款、信用卡以及个人信贷这四项界定为消费金融，此外，还包括以消费信贷为主、以工商为辅的金融机构。

The theoretical basis of consumer finance research mainly comes from the life cycle consumption theory, permanent income consumption theory, relative income consumption theory and Keynes consumption theory.

In the 1950 s, American economist franco modigliani and other people together life cycle hypothesis is put forward. According to the hypothesis, individuals' current consumption depends not only on their current income, but also on their total income throughout their life cycle. In 1957, an American economist Milton friedman proposed permanent income theory, the theory is that the individual's current depends not only on current income, consumer spending will also depend on permanent income, the so-called permanent income is that consumers can expect long-term income. In Keynes's "general theory", Keynes consumption theory was first put forward, the theory is that in the short term, consumption depends on the current residents, absolute income, stable relationship exists between the income and consumption; And economists in the United States has been bailey's book income, savings, consumer behavior theory, then on the basis of the theory of absolute income is improved, the theory is that consumer spending is not only depends on the absolute income, still depends on the relative income, namely the relative income levels and others in history of income, the highest income level.

As an intersecting field of finance and economics, marketing and behavior science, consumer finance has not yet formed a complete content and system, so it has not yet been clearly defined. In a broad sense, consumption is not only limited to the consumption of daily life, but also includes the use or consumption of all resources for non-productive purposes. Finance also includes not only financial problems faced by consumers themselves, but also financial technologies, products, services, laws, regulations and policies related to consumption by markets, institutions and governments. In a narrow sense, consumer finance refers to providing financial services such as financing investment, saving, credit and settlement of final goods and services in order to meet the needs of consumers.

The first source of foreign consumer finance is the United States, while the most developed consumer finance market is the United States and Japan. Defined consumer finance in the United States, the American bankers association is consumer loans, the bank and the federal reserve to consumer finance as part of family financial, the federal deposit insurance corporation will be housing mortgage, home-equity loans, credit card and personal credit these four defined as consumer finance, in addition, also includes mainly consumer credit, industry and commerce as the auxiliary pole of financial institutions. American scholar Tufano defined the research scope of consumer finance from the perspective of financial functions, believing that consumers mainly need four financial functions: payment, risk management, credit, savings and investment.

Japanese consumer finance company refers to the business address local bureau of finance or prefectures government, obtaining the business license to provide personal consumer finance small loan companies, or refers to in the industry to provide personal unsecured loan financing loan company.

Since the reform and opening up, China's consumption structure has been upgraded three times in order to expand domestic demand and promote sustained and stable economic growth. Compared with the rapid development of consumer finance in foreign countries, the research on consumer finance by Chinese scholars is only at the exploratory stage. In 1982, as the shi-jie Yin professor of the publication of the book consumption economics of socialism, our country for consumption economics research into a new stage of the academics also opens a new exploration of consumption economy.

With the third upgrade of consumption, Internet consumer finance also emerged. In recent years, the Internet consumer finance research emerge in endlessly, its academic research focused on the present situation of the Internet consumer finance, patterns, and the shortage of the development of the Internet consumer finance improvement measures are put forward. Yin on the analysis of the development of the Internet consumer finance policy, the market background, and analyzes the development status quo of consumer finance, and the difficulties faced by, and targeted consumer finance innovation and development of the Internet are proposed. Li ning studied the current situation of China's consumer finance market and divided China's consumer finance providers into commercial Banks and listed consumer finance companies. Guojin wan by analyzing current status of consumer financial services in China, put forward the consumer financial development of the Internet platform and comparative advantage of small and medium-sized Banks in the consumer financial services development trend of the two.

Although the tepid consumer financial development in our country, but as the Internet financial, consumer finance is no longer confined to the traditional small and medium-sized Banks, consumer finance has become the new trend of development of the Internet. However, because under the background of the development of the Internet financial, there is a lack of relevant legal system, credit system is not perfect, lax supervision, it increase the risk of Internet consumer finance. At present, most of the research on China's consumer finance is limited to qualitative analysis, but it has certain guiding significance for China to boost domestic demand through consumption.

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