I中国建设银行消费金融发展研究摘 要自 2008 年全球金融危机之后，政府提出了通过增加内需来刺激经济增长的策略，开始采取各种措施来促使人们转变消费观念和消费模式，消费逐渐开始成为三驾马车中最得力的一个。在此背景之下消费金融行业随之出现于人们的视野，并得到了飞速的发展。商业银行成为了消费金融市场的主要参与者，各个商业银行开始准备发展消费金融业务，且获得了一定成效。但是随之而来的是商业银行竞争的加剧，消费金融业务的发展也遇到很多问题需要去解决。本文以中国建设银行举例，对其消费金融业务的发展进行分析。通过对其消费金融业务发展情况的介绍，发现其存在：规模与市场需求不符、产品种类同质化严重、融资渠道有待丰富、业务结构不合理等问题。最后，针对问题分析，提出中国建设银行消费金融的合理化发展策略，以期进一步推动中国建设银行消费金融业务的发展。关键词：中国建设银行；消费金融业务；产品种类；营销渠道IIChina Construction Bank Consumer Finance Development ResearchAbstractSince the global financial crisis in 2008, the government has proposed strategies to stimulate economic growth by increasing domestic demand. It has begun to adopt various measures to encourage people to change their consumption concepts and consumption patterns. Consumption has gradually become the most powerful troika. . Under this background, the consumer finance industry has also begun to emerge in people's vision,And has developed rapidly. As a major participant in the consumer finance market, major commercial banks have begun to focus on the development of consumer finance business and have achieved certain results. However, as the competition of commercial banks intensifies, the development of consumer financial services also faces many problems that need to be resolved urgently. This article takes China Construction Bank as an example to analyze the development of its consumer finance business. Through the introduction of the development of its consumer finance busi...
