互联网消费金融对居民消费结构的影响摘要:最近几年,我国社会经济虽然还在不断发展,但发展速度已经由原来的高速发展转为了平缓发展,甚至出现了偶尔停滞的状态。消费作为拉动国民经济增长的重要组成,在近期出现了疲软的现象,因此要推动国民经济增长,重要的一步就是扩大消费,而扩大消费的最优选择就是消费金融。本论文将以互联网消费金融与消费结构相关的消费理论为研究的根本依据,将双通道心理账户理论与前者结合起来,深入研究互联网消费金融对于用户消费结构变化所产生的影响与作用。本篇论文将以互联网金融为切入点,探究居民消费过程中消费结构的变化情况,分析互联网金融为居民消费结构带来的各种变化以及对其各种影响,并对互联网消费金融提出中肯的建议与意见。关键词:消费金融,消费结构;影响因素TheinfluenceofInternetConsumerFinanceonResidents'consumptionstructureAbstract:Inrecentyears,China'sconsumptionhasbeenweak,andconsumptioniscrucialtoeconomicgrowth.Inthewayofexpandingconsumption,consumerfinanceisaverygoodchoice.TheemergenceofInternetconsumerfinancegivespeopletheopportunitytomeettheirconsumptionneedsinadvance,anditwillhaveanimpactonthechangeofpeople'sconsumption.BasedontheconsumptiontheoryrelatedtoInternetconsumerfinanceandconsumptionstructure,thispaperexplorestheinfluenceofInternetconsumerfinanceonthechangeofusers'consumptionstructureincombinationwiththedual-channelpsychologicalaccounttheory.ThispaperstudiestheInternetfinanceontheconsumptionstructureofresidents,furtheranalyzestheimpactofInternetconsumerfinanceontheconsumptionstructureofresidents,furtheranalyzestherelatedimpactofanger,andputsforwardreasonablecountermeasuresandsuggestions.Keywords:consumerfinance,consumptionstructure;Factorsaffectingthe目录引言................................................................1一、消费金融对城镇居民消费结构影响的理论分析........................1(一)消费金融与消费的理论基础..................................11.消费金融的概念.............................................12.主要理论基础...............................................2(二)消费结构的相关理论........................................31.消费结构的概念.............................................32.消费结构的分类.............................................3(三)消费金融对消费结构的作用机制..............................41.支付环境优化,加速消费结构升级.............................42.弱化预防性储蓄动机,促进消费升级...........................43.提升即期消费能力,引导消费升级.............................44.金融资产增加财产性收入,推进消费升级.......................4(四)互联网金融的定义..........................................41.互联网金融的模式...........................................52.互联网金融的相关理论.......................................6二、互联网消费金融发展现状..........................................6(一)消费金融规模迅速扩大......................................6(二)渗透率较低................................................7(三)消费贷款发展结构不合理....................................81.中长期贷款占比较高.........................................82.大额消费信贷占比高.........................................93.主要开展机构单一...........................................94.地区发展不平衡性...........................................95.风控能力低.................................................96.监管机构的支持............................................10三、互联网消费金融对居民消费结构影响的实证分析.....................11(一)模...