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The influence of Internet finance on consumption

2019-09-11 来源: 51Due教员组 类别: Essay范文

下面为大家整理一篇优秀的essay代写范文- The influence of Internet finance on consumption,供大家参考学习,这篇论文讨论了互联网金融对消费的影响。互联网金融,指的是凭借计算机网络技术与现代通信科技,实现支付结算、融通金融以及信息中介的作用的产业。互联网金融的推广使传统金融的不足得到有效弥补,当前其主要应用于众筹、三方支付以及网贷领域,应用范围极其广泛,互联网金融不仅为人们的生产生活、衣食住行带来了极大便利,而且使传统的消费市场和消费环境得到改善,使人们的消费观念与消费意识更加现代化,因此,互联网金融的运用现在已经成为一种趋势与潮流,其对现代消费格局正潜移默化的影响和改变着。

Internet finance on consumption,互联网金融对消费的影响,essay代写,作业代写,代写

In today's society, the rapid development trend of Internet finance has brought a great impact on all walks of life and people's life, among which the impact on residents' consumption has promoted the progress of national economy. Advanced the development of the Internet financial industry mainly in four aspects to promote national consumption, consumption of the people with the changes in the way to trade is one of the most important elements, consumption and trade was convenient and direct, but everything has its two sides, the Internet finance in the place where bring benefit to people but also the existence of the negative side.

As an emerging industry, the Internet was first invented and rapidly promoted in the 21st century, and then integrated into all walks of life. When the traditional financial industry encountered the Internet in its development, the two quickly combined to form the Internet finance industry. Internet finance refers to the industry that realizes the functions of payment, settlement, financing and information intermediary by virtue of computer network technology and modern communication technology. Internet financial promotion to effectively compensate for the shortcomings of traditional financial, the three of the main used in the raise, the pay and net lending, application range is very wide, not only for Internet financial, to provide for people's production and life, has brought great convenience, but also makes the traditional consumer market and consumption environment improved, the more modern people's consumption idea and consumption consciousness, therefore, the use of the Internet financial now has become a trend and trend, its are subtle influence to the modern consumption pattern and changing.

In February 1971, Nasdaq, which was built in the United States, became the cornerstone and pioneering invention of Internet finance in the United States. In 1999, American leaders issued a law to guarantee the development of Internet finance and promote the faster progress of Internet finance. At the beginning of the 21st century, western European countries Uno - E company and the First Group to set up a joint bank the Uno First Group - the First worldwide Internet financial services company, a move about the Internet financial played a significant role in the globalization process, all in all, after entering the 21st century, the Internet financial began almost universal coverage throughout the world, get rapid ascension, the raise, lending to the Internet, the Internet Banks such as a number of emerging industry rapid rise, online banking and electronic payment in People's Daily life has become inseparable from the elements, It also gradually promotes the mature pace of Internet finance.

China's Internet finance industry started in 2003 and achieved rapid development in 2004. Since 2005, China's Internet payment enterprises have been basically popularized in 28 provinces and cities, with a total of nearly 300 million users and 244 million customers using online banking. In February 2013, China's "three-horse" jointly open the door to new Internet financial sector, in June, pay treasure to work with celestica fund to promote the new balance value-added project, due to the interest of bank interest rates much higher than the same period, and it can withdraw at any time, at any time consumption, therefore, in a very short period of time the balance Po quickly occupy the market and has attracted the attention of a great crowd. The year 2013, known as the peak year for the development of the Internet in China, has achieved unprecedented huge progress. The operation mode has changed from separate operation to mixed operation. Internet finance was introduced in the 13th five-year plan at the third plenary session of the 18th CPC central committee, indicating that the industry has entered a new stage. Today, the Internet finance industry is rapidly playing a great role in various fields. While the Internet brings new opportunities, China's Internet finance industry will also meet new challenges.

In recent years, Internet finance industry has become a hot topic in government work reports. It has become increasingly important to strengthen supervision and regulation of Internet finance industry, so that its healthy development in regulation is gradually becoming important. Nowadays, China's Internet finance industry has achieved unprecedented development. In order to keep it active and healthy in the future development, it is necessary to carry out reasonable normative improvement. Currently, the key work to regulate Internet finance is to strengthen supervision and control, crack down on fake and low-level Internet platforms, and enhance the maintenance of personal information and fund management. Through the implementation of these ways, Internet finance will achieve good development in the standard field, better protect the rights and interests of consumers, and maintain a healthy Internet finance space. As Internet finance has penetrated into the consumption of Chinese residents, it is very necessary to conduct reasonable and scientific guidance and supervision.

Progress of residents' consumption brought about by the Internet financial payment and transaction behavior change, does not appear in WeChat payment and pay treasure to pay, people always leave the cash, when consumer credit card payment is limited to some larger market, this payment is not convenient on people's consumption has a considerable constraint. We cite the case of alipay to explain the huge impact of the progress of online payment methods on the consumption of Chinese residents. As a branch of alibaba group, alipay, as the leading Internet payment trading company in China, has become the most influential mobile payment company in the world. The setting of alipay has a strong restraining effect on both sellers and buyers, greatly promoting the rapid promotion of e-commerce in China. Currently, alipay has gained as many as 450 million customers. According to statistics, in 2016, the scale of e-commerce transactions in China reached the top of the world, with the estimated turnover exceeding 2 billion yuan, accounting for about 10% of the retail sales of social consumption.

Tobin and Flavin once put forward the liquidity constraint hypothesis. They thought that the hypothesis of enduring income hypothesis of life cycle containing individuals' assumptions about borrowers and deposits at the same interest rate level is not in line with the real logic, and liquidity constraint is real in life. Moreover, liquidity constraint has an inverse relationship with people's consumption level, which can explain the phenomenon of "high savings and low consumption" in China. Previously, it was very difficult for people to borrow money from Banks, and it was difficult to raise funds in a short time when they needed money in an emergency. Therefore, residents usually took the method of reducing consumption and saved money for emergency. After the rise of Internet finance, three Internet giants in China have successively launched reception services, such as alibaba's alipay small loan service, tencent's xiaodi loan service and baidu's baidu financial service, which have increasingly become convenient and beneficial loan channels. In addition, with the emergence of some Internet financial products, such as "xianxiao", "yu 'ebao" and "changbao", Chinese residents have become more and more aware and capable of financial management. More and more people use these financial products to replace the previous savings deposits and obtain higher interest rates than savings.

The consumption concept of life cycle put forward by the western economist franco points out that it is a widely adopted consumption behavior to plan and allocate daily living expenses in a long time range and expect to get the best quality equipment in the life cycle. In view of this situation, it is generally believed that the higher the bank interest rate, the higher the ultimate income line. The notion that higher interest rates increase savings is hard to deny, so people tend to consume less and earn higher interest rates. Therefore, crowdfunding of Internet finance and some other financial management brands attract a large number of people to invest their income, especially some monetary funds. Since people's income is fixed for a period of time, making large investment may lead to a recent decrease in income. This does not mean that Internet finance leads to a lower level of consumption. After all, the purchase of financial products means that people want to obtain higher returns and more future income. Therefore, the new financial products promoted by Internet finance make it no longer difficult for people to borrow money and increase the total income of people in the whole life cycle. To some extent, it promotes the consumption of residents.

WeChat pay and pay treasure to pay have the advantage of access at any time, make people more praise highly of the new payment tool, to reduce the cost to the bank of deposit and withdrawal time, therefore, as a third party payment channel, Internet financial because its not restricted by space, time, and the characteristics of convenient and quick, more and more to promote an improvement of people's consumption level. In addition, with the increasing popularity of Internet finance, people gradually have only the concept of Numbers for their own funds and deposits. When they consume, there is no outflow of funds and less money. They may not be willing to spend cash to buy some things. Therefore, the development of Internet finance promotes the consumption of Chinese residents to some extent, and the consumption of residents will drive the development of Chinese economy. Therefore, in the face of the consumption and economic development of Chinese residents, it is necessary to promote the healthier development of Internet finance.

This essay first explains the development status of Internet finance, then carries out an empirical analysis of the impact of Internet finance on the consumption of Chinese residents, and finally analyzes the research conclusions and relevant policies. Accelerating the pace of Internet finance can effectively increase consumer expenditure. It is hoped that through this essay, relevant institutions can strengthen the supervision and control of Internet finance and prevent the misappropriation of buyer's funds and fraud in the transaction process. We will promote the growth of household consumption and maintain the steady and rapid development of the national economy.

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