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针对互联网金融的发展与居民消费关系问题,采用实证研究的方法,基于2007-2015年中国居民消费水平、收入水平和互联网金融发展模式中P2P模式的交易规模、金融效率、贷款结构和金融密度指标数据,建立时间序列数据动态模型,得出各指标对居民消费的贡献测度,结果显示:互联网金融发展对居民消费有显著的正向影响。研究结果对推动互联网金融行业健康发展和健全监管机制具有参考价值。
In view of the relationship between the development of Internet finance and the consumption of residents, an Empirical Study is used to analyze the relationship between the development of Internet finance and the consumption of residents in China. Based on the analysis of the transaction scale, financial efficiency, loan structure and financial density of the P2P model in China’s consumption level, income level and Internet finance development mode from 2007 to 2015, Data, the dynamic model of time series data was established, and the contribution of each index to resident consumption was drawn. The result shows that the development of internet finance has a significant positive impact on household consumption. The research results have reference value to promote the healthy development of Internet finance industry and improve the regulatory mechanism.