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Web of Proceedings - Francis Academic Press
Web of Proceedings - Francis Academic Press

Research on the Path of the Influence of Consumer Finance to Consumers

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DOI: 10.25236/icemeet.2023.006


Yutong Xie

Corresponding Author

Yutong Xie


Consumer finance refers to an industry that provides financial services to meet the consumer needs of individuals or families. With the continuous innovation and application of non-cash payment tools, the new consumption methods have been created, the threshold for people to participate in consumption has been lowered, so consumer finance is gradually becoming an important area of the financial industry. The development of consumer finance can increase the purchasing power of consumers and promote the expansion of consumption, which in turn contributes to economic growth and employment opportunities. However, the consumer financial market is also facing a number of challenges, such as risk management, information security and so on. Therefore, while promoting the development of consumer finance, it is also necessary to strengthen supervision and risk control to ensure the healthy development of the market.


consumer finance; consumers; impact analysis