The Develepoment Study For The Consumer Finance Companies In Chaina

Nowadays, as our country develops into the decisive stage of comprehensive construction of well-off society, it is in the period that economy transforms from the export-oriented style into the domestic demand led style which personal consumption is the center, and consumption, as an effective means and way for promoting economic growth, its status and role have become increasingly prominent in the development of national economy. With the change of consumption concept, improving level of national income and the continuous development of information network technology, the new demands and new channels of consumption expand, and the consumer finance companies are currently developing positively coupled with the national policy support and relaxation. In our country, consumer finance is a new research field, and there is still a long way to go for it is still immature and imperfect comparing with the development of consumer finance in the developed countries in the world. Therefore, it is very necessary to study how to develop consumer finance companies and how to promote economic development.After China’s economy steps into the “new normal” phase, in order to play the role that new consumption leads economy, it should put inclusive finance as a concept to provide residents with differentiated consumer financial needs, so as to accelerate the transformation and upgrading of the industry and achieve the goal of improving quality and efficiency. Based on this, this thesis focuses on the countermeasures of the development of consumer finance companies. The first chapter is the introduction, which describes the background and significance of the study. The second chapter defines the concept of consumer finance companies and the theory of consumer finance. The fourth chapte focuses on the current situation of China’s consumer finance companies.In the fourth chapter, we make a comprehensive comparison between the development of foreign consumer finance companies and the development of China’s consumer finance, and then to find out the differences and gaps between our country and foreign countries. The fifth chapter focuses on the problems of China’s consumer finance companies. The sixth chapter puts forward the countermeasures and suggestions for the plight of developing the consumer finance companies in China.