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消费金融发展的理论解释与国际经验借鉴
引用本文:汪洋,白钦先.消费金融发展的理论解释与国际经验借鉴[J].金融理论与实践,2011(1).
作者姓名:汪洋  白钦先
作者单位:1. 上海国际集团有限公司博士后科研工作站,上海,200002
2. 辽宁大学国际金融研究所,辽宁,沈阳,110036
摘    要:通过对消费经济理论与消费金融理论的分析,消费金融的发展有其历史的必然性和存在的合理性。作为消费金融主要运营主体的消费金融公司在发达市场已经成长为一个规模较大的特殊金融市场,越来越多的消费金融公司有商业银行加盟。我国目前消费金融刚刚起步,金融市场发展不成熟,在风险管理和盈利模式上需要创新和探索,发展前景广阔。

关 键 词:消费经济  消费金融  消费金融公司  

Theory Interpretation of Consumer Finance Development and Reference from International Experience
Wang Yang,Bai Qin-xian.Theory Interpretation of Consumer Finance Development and Reference from International Experience[J].Financial Theory and Practice,2011(1).
Authors:Wang Yang  Bai Qin-xian
Institution:Wang Yang,Bai Qin-xian
Abstract:Based on consumer economy theory and the theory of consumer financial analysis,development of consumer finance has its historical inevitability and the rationality of the existence of.As the main body of the consumer finance,consumer finance companies operating have grown into a larger scale of special financial market in the developed markets,more and more consumer financial companies have commercial Banks to join.At present,the consumer finance has just started in china,exploration and innovation of risk ...
Keywords:Consumer Economy  Consumer Finance  Consumer Finance Company  
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