近年来，消费已经成为我国经济增长的新引擎，尤其是在居民可支配收入和杠 杆逐步提高，未来消费人群和消费意愿明显变化，消费领域“补短板”以及国家政 策引导和支撑等因素推动下，我国消费金融市场规模巨大且增长迅速，各商业银行 均不断加大消费金融业务布局，寻求符合自身实际和特色的发展路径，谋求更大业 务发展。 首先，本文结合国内消费市场现状、消费金融理论研究出发，分析了我国当前 环境下消费金融市场整体概况及发展方向。其次，本文利用商业银行、消费金融公 司、互联网平台及其他机构等四大消费金融市场参与主体进行对比，介绍了各类消 费金融业务模式、特点及优劣势。再次，基于H商业银行消费金融发展情况，分析了 主要竞争者的竞争态势、趋势和发展路径，同时，本文运用PEST分析工具及SWOT 理论，分析H商业银行参与消费金融的内外部环境，指明了H商业银行参与消费金融 的业务基础和竞争优势。最后，围绕H商业银行消费金融业务开展，列举了可吸收化 为己用的同业经验及自身实践经验积累，从客户和产品定位、营销推广探讨了消费 金融业务发展策略，并从资源和政策倾斜、Fintech导入支撑、强化风控管理、完善 组织架构等方面梳理各项保障措施。本文在以上分析基础上，探讨了H商业银行消费 金融业务发展的应对策略及方向，具有理论和实践双重意义：一是在大型商业银行 及互联网平台类布局消费金融占有优势、抢占先机的形式下，进一步丰富类似H商业 银行等中小型商业银行等实现消费金融业务转型的理论探索。二是基于研究理论， 为处于相同环境、存在类似问题的商业银行应对市场竞争提供了一定参考价值。 关键词：商业银行 消费金融 环境分析II 华 中 科 技 大 学 硕 士 学 位 论 文 Abstract In recent years, consumption has become a new engine for China's economic growth, especially in terms of the disposable income and leverage of residents, the obvious changes in consumer groups and consumption will in the future, the “short-board” in the consumption sector and the guidance and support of national policies. Under the circumstance, China's consumer finance market is huge and growing rapidly. All commercial banks are constantly increasing the layout of consumer finance business, seeking a development path that is in line with their own reality and characteristics, and seeking greater business development. First of all, this paper combines the status quo of domestic consumer market and consumer finance theory to analyze the overall situation and development direction of consumer finance market in China's current environment. Secondly, this paper uses commercial banks, consumer finance companies, Internet platforms and other institutions to compare the four major consumer financial market participants, and introduces various consumer finance business models, characteristics and advantages and disadvantages. Thirdly, based on the development of consumer finance of H commercial banks, this paper analyzes the competition situation, trend and development path of major competitors. At the same time, this paper uses PEST analysis tools and SWOT theory to analyze the internal and external environment of H commercial banks participating in consumer finance, and points out H Commercial Bank participates in the business foundation and competitive advantage of consumer finance. Finally, around the commercial banking business of H Commercial Bank, it enumerates the experience of peers and their own practical experience, and explores the development strategy of consumer finance business from customer and product positioning and marketing promotion, and leans from resources and policies. Fintech introduced support, strengthened risk control management, and improved organizational structure to sort out various safeguard measures. Based on the above analysis, this paper discusses the coping strategies and directions of H commercial bank's consumer finance business development. It has both theoretical and practical significance. First, it is in the form of large-scale commercial banks and InternetIII 华 中 科 技 大 学 硕 士 学 位 论 文 platforms that have the advantages of consumer finance and seize the opportunities. Next, further enrich the theoretical exploration of the transformation of consumer finance business, such as small and medium-sized commercial banks such as H Commercial Bank. Second, based on research theory, it provides a certain reference value for commercial banks in the same environment and similar problems to deal with market competition. Key words: Bank Consumer Finance AnalysisIV 华 中 科 技 大 学 硕 士 学 位 论 文 目 录 摘要...............................................................................................................I Abstract.......................................................................................................... II 图目录..............................................................................................................V 表目录............................................................................................................VI 1 绪论.............................................................................................................1 1.1 选题背景及意义...................................................................................1 1.2 选题理论综述及行业现状...................................................................3 1.3 本文主要内容与框架.........................................................................10 2 消费金融业务模式 ..................................................................................12 2.1 消费金融的界定.................................................................................12 2.2 消费金融主要业务模式.....................................................................14 2.3 各类参与主体的优势与不足 ............................................................23 3 H 商业银行消费金融的竞争态势及内外部环境分析..........................27 3.1 各类消费金融业务竞争情况 ............................................................27 3.2 H 商业银行消费金融业务介绍.........................................................33 3.3 内外部环境分析（PEST 及 SWOT 分析）.....................................35 4 H 商业银行消费金融业务有效经验及应对策略..................................40 4.1 H 商业银行消费金融业务的经验借鉴与实践探索 ........................40 4.2 H 商业银行消费金融业务应对策略.................................................42 4.3 H 商业银行消费金融业务发展保障.................................................44 结束语.............................................................................................................47 致 谢.............................................................................................................49