摘要
在“双循环”的新发展格局下,以消费为主体的内需发展将具有更加突出的战略作用,为保证消费动能持续不衰,构建适度规模、结构的消费金融十分必要,加强数字消费金融的发展,是充分发挥金融持续推动消费健康增长的有效路径。本文从分析当前消费市场存在的问题入手,认为消费金融不发达是制约消费市场发展的一大主因,提出利用生态学的思维方法探索构建系统高效的数字消费金融生态体系,并从数字化基础设施建设、数字技术应用、数字消费金融体系构建和监管措施制定等方面进行了具体建议,以加强数字金融科技与消费市场的耦合,促进消费市场的持续健康发展。
Under the new development pattern of“Double cycle”,the development of domestic demand with consumption as the main body will play a more prominent strategic role.To ensure the sustainable development of consumption energy,it is necessary to build consumer finance with appropriate scale and structure.Strengthening the development of digital consumer finance is an effective way to make full use of finance to continuously promote the healthy growth of consumption.Based on the analysis of the problems existing in the current consumer market,this paper holds that the underdevelopment of consumer finance is one of the main factors restricting the development of the consumer market.It proposes to explore the construction of a systematic and efficient digital consumer finance ecosystem by using ecological thinking method,and gives specific suggestions from the aspects of digital infrastructure construction,digital technology application,digital consumer finance system construction and regulatory measures,with the aim of strengthening the coupling of digital financial technology and consumer market,and promoting the sustainable and healthy development of the consumer market.
作者
陆岷峰
欧阳文杰
LU Min-feng;OUYANG Wen-jie(Office of the Board of Directors,Head office of Bank of Jiangsu,Nanjing 210000,Jiangsu;School of Finance,Nanjing University of Finance and Economics,Nanjing 210046,Jiangsu)
出处
《宝鸡文理学院学报（社会科学版）》
2020年第5期56-63,71,共9页
Journal of Baoji University of Arts and Sciences：Social Science Edition
基金
国家社会科学基金一般项目:企业高杠杆率中的人口年龄结构因素及对策研究(项目编号:18BJY111)
江苏高校哲学社会科学研究重大项目:互联网金融市场风险形成机理与协同监管机制研究(批准号:2019SJZDA063)。
关键词
数字消费金融
金融驱动
消费市场
发展战略
digital consumer finance
finance driven
consumer market
development strategy
