如何写一篇让老师满意的essay

虽然essay写作对于留学生来说是家常便饭，但真的要写出一篇让老师满意的essay还是有一定难度的。本文的目的就在于为留学生提供一些essay写作上的建议，让留学生都能更好地写作essay。

审题&构思&立意定题

1.审题

审题对于一篇论文能否取得好成绩再重要不过了。即便你文笔不好，只要不离题，至少不会挂科，但是一旦你离题了，那么挂科就向你招手了。对于常去上课的学生而言，审题基本不会出现大的问题，只要按课程的内容方向写就可以了。然而，对于不常去上课的学生而言，课程内容是陌生的，审题一定要慎重，一不小心可能会擦地雷。为此，建议参考老师提供的lectures或者其他同学的笔记。

在审题的时候，要注重技巧，抓住关键字能保证你更好地理解题目。比如在Which marketing principles will Bosideng need to utilize prior to making the decision to do business in overseas markets and why? 一题中，marketing principles, Bosideng, utilize prior, make decision, overseas markets，就是主题的关键字，要分外留心。

2.构思

在审题之后，需要做好构思和列提纲的工作，很多人没有列提纲的习惯，写到哪算哪，这就会导致全篇论文逻辑混乱，结构松散，给评分老师一个很差的印象，自然分数很难提高。

构思和列提纲的目的在于让你对整篇论文将要写的内容了然于胸，一气呵成。在审题时我们提及要找出题目的关键字，比如在上述题目中我们就指出了marketing principles，bosideng等关键字。

在构思的时候，必须围绕这些关键字开展。比如，课程里学习了哪些marketing principles，Bosideng是个什么样的企业，有什么特色，运作如何，商业环境如何，在decision-making中遇到什么问题，overseas market发展怎样。通过将这些关键字进行拓展，串联起来，大致的思路就出来了。另外，还需要特别关注老师提供的评分标准，或者论文结构，因为很多老师会据此评价你的论文。

3.立意定题

立意定题并非一个容易的事情，有时候留学生会发现定一个好的题目也是挠破头的。这里要注意的是，老师给的题目通常不能直接作为你论文的题目，它更多是一个主题。

在确定题目的时候，要紧跟审题和构思这两步，在构思的基础上进行简化或者细化。简化说的是将题目的长度和内容进行缩减，精简概括。细化说的是将论文研究的方向尽可能细化，比如在上述的题目中涉及overseas market，那么你可以把这个overseas market落实到具体的市场，比如Australian Market。老师们更喜欢学生研究的方向更小更细。

如何高效地收集有效的资料

论文需要材料来堆积，很多学生写作出来的论文会显得很vague，很空洞，缺乏facts、evidence和theory的支撑。对于学生而言，主要是能力不足，知识点掌握不牢或者存在方法上的问题。

资料的收集，要采用内外结合的方式。内部方面，指的是老师提供的lecture notes，课本等材料，这些材料比较基础，能保证写出来的东西基本不离题，但是很难出彩。因此，这就需要我们寻找外部资料的支持。外部资料指的是journals、news、online contents等。由于外部资料实在太多，因此写作者会遇到如何提高收集效率和保证资料有效性的问题。

在收集资料的时候，一方面要解决渠道问题。一般而言，学生拥有自己的图书馆账号，可以登录自己的图书馆寻找资料，还可以选择到谷歌学术上寻找。这里切记一点，千万不要引用维基百科等非权威的资料。

比如我们的题目是说：Management Strategy in Supermarket。那么我们在google输入这个关键词就是：Management或者management strategy或者Strategic management （当然实际上论文不会那么大的范围的，细化搜索范围更容易找到相近的）。由于有些品目搜出来之后需要有相关的账号才可以阅读，因此这里有一个小技巧，可以搜索XXX+PDF。

另一方面，在解决渠道问题之后，就要学会快速地浏览材料的内容，这个可以从Abstract、Introduction或者conclusion等内容中窥得一斑，从而确定此资料是否需要。确定资料符合要求之后，还是要尽可能快速浏览一遍，尤其是它的findings或者discussion部分。

写作过程

在审好题、构好思、定好题目和搜索完所需材料之后，就可以开始进入写作步骤，到了这一步就完全是八仙过海各显其能了。能力有多强，语言水平有多好，就写多好就行了。

不过，这里对于学生我们有三点建议。

首先，要用好连接词，不要通篇都是简单的句式。连接词可以让你的论文更通顺，更有层次感，结构鲜明，也能体现你一定的语言水平。

其次，要注意参考的文献必须进行适当的改写，因为这涉及到抄袭率的问题。基本上很多学校都会要求学生在提交论文之前先过一遍turnitin，检查一下抄袭率，大部分要求是不能高于10%，如果高于10%，论文很可能会不及格。比如：James argues that management strategy is very important to company，你可以用近义词进行改写，James points out that management strategy has great significance to company lxws.net, 也可以变化主动被动式进行改写如：To company management strategy is important, as James argues.

最后要注意的也是最重要的，那就是论文一定要体现出critical thinking和logically。Critical thinking是大部分商学院所希望学生学会的一种思维模式，因此老师在教学和考验的时候特别注重。那么如何使论文变得critical thinking 和logical呢，这就要求学生在搜索资料和写作的时候，不能人云亦云，简单地堆砌材料，而应该对同类的思想进行归类，对正确和不正确的观点进行批判性分析，尽可能得出自己的观点。

参考文献

Intext 和references在essay中也是非常重要的得分点，因为老师对此非常关注，这里也是体现你的论文是否经过research和critical thinking的重要部分。

外国人非常注重知识产权的保护，因此任何观点或者引文的应用，都需要给作者充分的尊重，必须在文中的intext中列出来，如（XX，2016）。对应在最后的reference list中，还应该列出来整个文献的具体信息，比如XXX.XX., (2016), AAAAAA, Journal, vol.X, no.Y, pp.123.这里列举的是哈佛格式，也是大部分essay普遍使用的文献格式，具体内容可以上网络学习一下。

以上就是关于essay的写作讲解，简言之，写好一篇essay，要先审好题、构好思、列好提纲、定好题目、搜索好资料，最后注意参考文献。

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更多关于美国作业代写的内容，点开主页栏目，即可快速获取论文代写相关资讯，如果各位有美国作业代写需求，可以咨询24小时客服QQ：800020041，为您详细解答。

北美作业代写：Price discrimination

下面为大家整理一篇优秀的paper代写范文- Price discrimination，供大家参考学习，这篇论文讨论了价格歧视。价格歧视，指的就是一家厂商在同一时间对同一产品向不同购买者收取两种或两种以上的价格，或对于不完全相同的商品，厂商收取的价格差别远大于成本差别。要实施价格歧视就必须让产品的需求与其价格成反比，即厂商能够以合理的成本进行市场细分，还有不同购买者之间贱买贵卖的转卖行为必须阻止。

Price discrimination is also called the price difference, it is to point to a vendor at the same time for the same product to different buyers for the price of two or more, or for not identical goods, manufacturers charge the price difference is greater than the cost difference. In order to implement price discrimination, some conditions must be met: the demand of products is inversely proportional to its price, that is, the manufacturer can conduct market segmentation at a reasonable cost. The resale of cheap and expensive goods between different buyers must be stopped. Different buyers have different degrees of demand for products.

Level of price discrimination to each customer for the reserve price, this kind of price discrimination producer surplus, consumer surplus of all can be converted to the manufacturer's marginal revenue line of demand curve is given by him. Secondary price discrimination refers to that manufacturers sell products of different production units at different prices, but different types of consumers pay the same price for the same quantity of products. Price discrimination refers to that manufacturers sell products at different prices to consumers in different markets, but each particular type of consumer obtains unit products at the same price.

The essence of price discrimination is that manufacturers use their own information advantages to transform consumer surplus into producer surplus through certain means. As long as the price consumers pay to manufacturers does not exceed their reserve price, there is no reason for us to say that manufacturers harm consumers through price discrimination. Under the condition of complete monopoly, monopoly to MR = MC to determine production Q1, and consumers' willingness to pay for P1, at this time so that the whole social welfare loss is triangle ABC, this is a deadweight loss. If the monopolistic manufacturer now adopts the price discrimination strategy, the final price demanded by the manufacturer from the consumer is P2, and the corresponding output is Q2 under the condition of complete competition. Therefore, under the strategy of price discrimination, enterprises with monopoly power can eliminate the unnecessary loss of the whole society under the condition of monopoly and improve the welfare of manufacturers and consumers. Therefore, in a monopoly industry, breaking a single pricing strategy and implementing price discrimination is essentially an offset to the negative effects of monopoly itself.

Differential pricing based on the principle of price discrimination will bring a win-win situation for producers and consumers. Its advantages are as follows:

For manufacturers, compared with the dominant one price on the market, through the implementation of price discrimination, manufacturers charge different prices to each consumers can save those who are willing to pay high prices for consumers, but also can attract consumers willing to pay at a low price, only more than charge a single price close to the consumers' willingness to pay, so that the manufacturer's profit increase.

Consumers can be divided into two types: first, high-end consumers who pursue individualization are price insensitive; Another kind of customers pay more attention to the cost performance of the product, belong to the price sensitive type. If a differential price is applied, a higher price will be imposed on one part of the quantity of the commodity and a lower price on the other part of the quantity. In this way, it can not only increase the profits of producers, but also meet the needs of other consumers and form a new consumer market. Obviously, at this time, "price discrimination" not only increases the profits of producers, but also satisfies consumers' desire to consume.

Improve fair trading and improve market allocation efficiency. For most of the normal goods, the successful application of price discrimination, compared with the single pricing strategy, to pay a lower price consumers can spend less money to buy more goods and services, it is actually a from high-income to low-income groups for redistribution process of consumer goods. From this perspective, price discrimination, as a multiple pricing strategy, not only increases the profits of manufacturers, but also makes the distribution of consumption more equitable.

Generally, large enterprises will have multiple brands and form a brand group, so that different brands can be used to set different prices for consumers of different levels. P&g also regularly USES this strategy. Sometimes many enterprises launch products with the same or little difference, but use different packaging and different names, in order to capture consumers with different needs. This is a marketing strategy of the business.

If the enterprise is small and difficult to support multiple brands, it can also adopt multiple varieties and launch multiple series of methods under one brand. Prices can be discriminated against as long as the product is different and the product is personalized.

The strategy is to divide consumers into two or more groups with different demand curves. Airlines often use this strategy, dividing cabins into premium, common and low-class cabins, thus grouping consumers. The benefits of this discrimination are enormous.

As long as you comply with the general condition of price discrimination is product individuation, there are differences, you can use the difference to name it as different brands, different series, or a variety of combination, and then use this discrimination strategy.

In order to improve the allocation efficiency of higher education resources and improve the quality of education products, the fees of each university should be determined by consumers and market competition. Therefore, it is necessary to liberalize price restrictions and implement differential fees, so that tuition fees can become a signal of the quality of higher education and a means to adjust supply and demand, so as to establish and improve the market competition mechanism of higher education. On the basis of national limited education resources, on the demand of the students of education, family economic conditions, education quality is different, for individual discriminating toll collection, to make our country's higher education to fully meet the demand of the people study. This differential charge is the price discrimination in higher education application, this application has its necessity. Implementing price discrimination of education can promote higher education institutions to improve the service quality of education. The implementation of education price discrimination can maximize the benefits of universities. Education price discrimination is conducive to the realization of education fairness.

Price discrimination has been applied in many industries and reflected, as long as it can increase the profit of manufacturer and consumer utility, which makes the welfare of society as a whole increased, then such price discrimination is good, is our worth recommending.

Compared with the uniform price of enterprises, price discrimination can increase the profits of enterprises. On the other hand, it can also increase the surplus of some consumers. So this is sort of a pareto improvement; Even if it's not pareto improvement, it's also caldor -- hicks improvement, which can improve social welfare. In many cases, price discrimination is a good thing. But everything has two sides. Price discrimination can increase social welfare in most cases. In this case, the company made a high profit. In addition, under certain conditions, price discrimination may be counterproductive in reducing social welfare. This requires us not to make arbitrary judgments in the face of price discrimination.

As a normal economic phenomenon, price discrimination is the inevitable result of the development of market economy. Price discrimination does not necessarily harm the welfare of consumers. While increasing the profits of manufacturers, it is also conducive to increasing the welfare of consumers and forming a win-win situation. With the continuous development of market economy, as a pricing method of products, it is bound to appear in more forms. What we should not make the price discrimination to interfere in it, and should go to study how to price discrimination for manufacturers and consumers, the most advantageous to gain maximum profits, consumers get maximum satisfaction, social welfare to achieve the optimal.

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英国留学生该如何做proofreading

Proofreading，就是校对。对于英国留学生来说，他们的学习压力是非常大，这主要来源于英文论文写作。很多英国留学生都表示过，世界上最遥远的距离不是故乡和国外的数千英里，而是脑海与笔尖的距离。辛辛苦苦写作英文论文，完了还要做proofreading，真的非常头疼。

英国proofreading推荐

写作是通识教育注重培养的标志性能力之一，在国外高中，每一年学生的必修课之一都是论文写作的英文课。不光英文课，历史课、哲学课甚至数学课都包含写作训练。而在国外大学，无论哪一个专业，都无法逃脱英文论文写作，并且将至少两门写作类型的课程作为毕业前的必修课。一些偏语言类的专业，更是每一门课都有3-5篇的论文要完成。毕业之后想要留下工作，更发现写作技能是求职与日常工作中不可缺少的一部分！这让写作，作为国外教育最为重视的技能之一，显得至关重要！

大部分留学生，写了十余年的中文作文，应试教育的条条框框如同地铁的轨道，决定了学生的语言风格，而这种风格也在无形中限制了思维前进的方向。同时，中英文写作在写作规范和写作技巧上都是截然不同，而大多留学生也都因为对这些技巧的缺失，使得他们不仅把大把的时间花费在写论文上，还不能拿到完美的分数，很多同学因此放弃喜爱的文科专业另寻他路，这对留学生的发展是十分不利的。

2000字的论文，很多留学生花了一个星期写，这种情况并不少见，他们觉得自己付出了百分之百的努力，但是分数总是那么不尽人意。留学生在刚刚接触到论文写作的时候都很生疏，大多只能靠自己摸索，感觉长路漫漫。写出来的论文经常会出现这样那样的“症状”，写完之后还要做proofreading。有些同学表示很无奈：写一篇出来已经是极限了，哪来精力和能力去做proofreading呢？

下面推荐英国留学生在做proofreading时重心应该放在以下几个点：

1.文章框架不清晰

英文写作，对于文章的框架有极高的要求，不同于中文写作喜欢运用各种伏笔，铺垫，在结尾点题。英文写作讲究开门见山，大范围上来说，一篇文章需要有清晰的开头（introduction), 中间（main body), 和结尾（conclusion)。第一段（introduction）中就应该有涵盖整片文章的中心大意的Thesis Statement，而每一段的第一句（topic sentence lxws.net)则应该说清楚这一段想要表达的。这也是为什么很多外国老师会让学生写作之前用point form的方式写文章的outline.

2.写作基本规则不重视

英文写作的基本规则包含语法，拼写，标点符号等，很多留学生认为，语法拼写属于小问题，并不重要，其实这是错误的。一篇语法及拼写和标点符号错误少的文章，instructor自然会感觉这个学生对论文认真负责的态度，Instructor的阅读速度更快，更轻松，更易明白学生的观点，满目皆是的语法和拼写错误，必定会让instructor失去阅读的耐心，这必然会影响论文的分数。因此，可以说，同样的观点，同样的知识储备，采用不同的语法表达，可能就会获得不同级别的分数。

3.表达方式不明确

许多留学在写作时非常郁闷的一件事就是如何用英文将自己的想法表述出来，很多时候由于词汇量不够，在写文章时对于词的精确含义和使用并不了解，就会词不达意。另外，在不同的语境下使用不同的表达方式是很重要的。比如一篇论文写作中，学生常常喜欢用满篇的“I think”或者“In my opinion”等看起来很自我的语气词，但是用在专业的议论文写作中就显得很不正式。而正式的论文写作语气应该使用第三人称，这就意味着作者要把所有的“I”从论文中剔除，并且用具体的、清晰的证据和事实来论证自己的观点，不仅仅是把自己的观点说出来。

4.Reference无从下手

大多数留学生都是读完高中甚至更早年级直接过来，没有接触过reference，在老师布置essay并且要求用APA等格式写时，直接黑人脸了。国外学校对于写作抄袭(plagiarism) 看的特别严重，从最轻的论文判零分到课程判零分，严重的甚至要被赶出学校。所以引用时无论是文章内的citation格式，或是篇幅最后bibliography部分的格式，都有明确的要求，许多留学生在刚开始写作时都因为reference的问题吃过亏。

以上就是关于proofreading的讲解，对于上面这些错误，有的一眼就可以看出来，同学们顺手就可以改好。但是有的错误就需要通篇检查，很麻烦还浪费时间。

想要了解更多英国论文写作技巧或者需要英国代写，请关注51Due英国论文代写平台，51Due是一家专业的论文代写机构，专业辅导海外留学生的英文论文写作，主要业务有英国代写、essay代写、assignment代写、paper代写。亲们可以进入主页了解和获取更多关于英国代写以及英国留学资讯，我们将为广大留学生提升写作水平，帮助他们达成学业目标。如果您有英国代写需求，可以咨询我们的客服QQ：800020041。

Paper代写：Trade frictions between China and the United States

本篇paper代写- Trade frictions between China and the United States讨论了中美的贸易摩擦。中美贸易对两国政治经济至关重要，然而频繁的中美贸易摩擦严重影响了双方经贸关系的发展。贸易不平衡是目前中美贸易摩擦最重要的消极因素。伴随着中国产业结构和出口产品结构的升级，不断有新的行业和产品成为中美贸易摩擦的对象。如今，中美贸易摩擦涉及的领域也在不断扩大。本篇paper代写由51due代写平台整理，供大家参考阅读。

Trade between China and the United States is of vital importance to the political economy of the two countries. However, frequent trade frictions between China and the United States have seriously affected the normal development of bilateral economic and trade relations. Explore the root of the sino-us trade friction and countermeasures, to reduce the sino-us trade friction, maintain and develop good sino-us political and economic relations and promote the global political and economic status is very important in our country. From the perspective of political economy and traditional trade theory, this paper analyzes the formation process of American trade policy, and puts forward some concrete measures to deal with sino-us trade frictions.

Despite the differences in trade statistics between China and the United States, it is indisputable that the trade imbalance is expanding rapidly. In 1993, the United States began to run a trade deficit with China. In 2000, China became the largest trade deficit country in the United States. The U.S. government sees trade imbalances as a top issue in its economic and trade relations with China, especially as some in congress seek to politicize the trade deficit and demand anti-dumping measures against China. The us trade policy with China has also been increasingly protectionist. Trade imbalance is the most important negative factor of sino-us trade friction.

Friction between the two countries has been running high this year, with the 2009 tire case marking the start of a U.S. trade offensive against China. 2010, imports of oil well tube, double the case to the pv "double reverse" in 2012, especially in into 2012 years later, America's continuous for Chinese products "double reverse" survey and the "337 investigation", have produced a huge damage to China's enterprises.

In fact, China and the United States are the fastest growing developing countries and the most developed countries in the world. The trade imbalance between the two countries is inevitable to some extent, which is determined by the adjustment of the global industrial structure and the international division of labor. For example, since the 1990s, the United States has started to transform from a traditional industrial economy to a high-tech economy. In the process of transformation, traditional industries lose their cost advantage, and high-tech economy cannot rapidly open up the market, which will inevitably increase the trade deficit.

Since 1980, the United States for the first time for China's of menthol anti-dumping investigation, so far the United States has carried out more than one hundred anti-dumping investigation on Chinese products, is the world's most anti-dumping prosecution, dynamics of the largest countries. After China's entry into the WTO, anti-dumping has become the focus of sino-us trade frictions.

The United States attaches great importance to intellectual property rights protection, the reason is the United States believes that the development of its economy a big dependence of intellectual property rights, technology is the competitive advantage of the United States, the protection of intellectual property rights is also one of the most concern in the United States government and the company. With China's entry into the WTO, the proportion of China's high-tech exports has increased, and the intellectual property disputes between China and the United States have intensified. In 1986, the United States initiated a 337 investigation into fur products originating in China, Korea and Greece, which was the first case involving China initiated by the United States. In 2010 alone, 19 out of the 56 337 surveys conducted by the United States involved Chinese companies, accounting for 33.9 percent of the total. The 337 survey conducted by the United States on China has resulted in the continuous compression of China's market space for related products, especially electronic products, exported to the United States.

With the upgrading of China's industrial structure and export product structure, new industries and products have become the object of sino-us trade friction. Trade frictions between China and the United States have been expanding. In addition to traditional issues such as agricultural products, textiles, trade deficits and intellectual property rights, trade in high-value goods and services is becoming a new focus of sino-us trade friction.

In recent years, the means used by the us to initiate trade frictions with China have become increasingly diversified. In addition to traditional anti-dumping measures, more covert and flexible safeguard measures and technical trade barriers have become the new means for the us to implement trade protection to China. The United States sets standards for technology trade in manufacturing transportation, health care, agriculture, forestry, fisheries and environmental protection. As the products produced in China are relatively low in quality standards compared with developed countries, they are recalled in large quantities every year and even forced out of the international market, causing huge loss of export trade.

Since entering the market, the trade frictions between China and the United States have become increasingly complex. This is mainly manifested in: first, there are multilateral frictions in trade frictions; Second, the focus of trade frictions has begun to shift to institutional frictions. Most of the frictions between China and the United States are caused by different economic structures and different rules between the two countries. Third, the reasons for trade frictions are gradually legalized. The United States has passed legislation to legalize the means to initiate trade frictions.

Japan, South Korea, Hong Kong, China, Taiwan and other countries and regions set up foreign companies in mainland China, in the mainland for processing and assembly, as countries of origin of imported goods to "material change" for the principle, processing the exporter of the product is from the above countries and regions in China. It can be said that China bears some of the pressure of the above countries' trade frictions with the us.

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Essay代写：Consumer finance

下面为大家整理一篇优秀的essay代写范文- Consumer finance，供大家参考学习，这篇论文讨论了消费金融。消费金融，就是指与消费相关的所有金融活动。国外的消费金融最早来源于美国，而美国银行家协会界定的消费金融是银行消费贷款，而美联储把消费金融看成是家庭金融的一部分，美国联邦存款保险公司则将住房抵押贷款、住房净值贷款、信用卡以及个人信贷这四项界定为消费金融，此外，还包括以消费信贷为主、以工商为辅的金融机构。

The theoretical basis of consumer finance research mainly comes from the life cycle consumption theory, permanent income consumption theory, relative income consumption theory and Keynes consumption theory.

In the 1950 s, American economist franco modigliani and other people together life cycle hypothesis is put forward. According to the hypothesis, individuals' current consumption depends not only on their current income, but also on their total income throughout their life cycle. In 1957, an American economist Milton friedman proposed permanent income theory, the theory is that the individual's current depends not only on current income, consumer spending will also depend on permanent income, the so-called permanent income is that consumers can expect long-term income. In Keynes's "general theory", Keynes consumption theory was first put forward, the theory is that in the short term, consumption depends on the current residents, absolute income, stable relationship exists between the income and consumption; And economists in the United States has been bailey's book income, savings, consumer behavior theory, then on the basis of the theory of absolute income is improved, the theory is that consumer spending is not only depends on the absolute income, still depends on the relative income, namely the relative income levels and others in history of income, the highest income level.

As an intersecting field of finance and economics, marketing and behavior science, consumer finance has not yet formed a complete content and system, so it has not yet been clearly defined. In a broad sense, consumption is not only limited to the consumption of daily life, but also includes the use or consumption of all resources for non-productive purposes. Finance also includes not only financial problems faced by consumers themselves, but also financial technologies, products, services, laws, regulations and policies related to consumption by markets, institutions and governments. In a narrow sense, consumer finance refers to providing financial services such as financing investment, saving, credit and settlement of final goods and services in order to meet the needs of consumers.

The first source of foreign consumer finance is the United States, while the most developed consumer finance market is the United States and Japan. Defined consumer finance in the United States, the American bankers association is consumer loans, the bank and the federal reserve to consumer finance as part of family financial, the federal deposit insurance corporation will be housing mortgage, home-equity loans, credit card and personal credit these four defined as consumer finance, in addition, also includes mainly consumer credit, industry and commerce as the auxiliary pole of financial institutions. American scholar Tufano defined the research scope of consumer finance from the perspective of financial functions, believing that consumers mainly need four financial functions: payment, risk management, credit, savings and investment.

Japanese consumer finance company refers to the business address local bureau of finance or prefectures government, obtaining the business license to provide personal consumer finance small loan companies, or refers to in the industry to provide personal unsecured loan financing loan company.

Since the reform and opening up, China's consumption structure has been upgraded three times in order to expand domestic demand and promote sustained and stable economic growth. Compared with the rapid development of consumer finance in foreign countries, the research on consumer finance by Chinese scholars is only at the exploratory stage. In 1982, as the shi-jie Yin professor of the publication of the book consumption economics of socialism, our country for consumption economics research into a new stage of the academics also opens a new exploration of consumption economy.

With the third upgrade of consumption, Internet consumer finance also emerged. In recent years, the Internet consumer finance research emerge in endlessly, its academic research focused on the present situation of the Internet consumer finance, patterns, and the shortage of the development of the Internet consumer finance improvement measures are put forward. Yin on the analysis of the development of the Internet consumer finance policy, the market background, and analyzes the development status quo of consumer finance, and the difficulties faced by, and targeted consumer finance innovation and development of the Internet are proposed. Li ning studied the current situation of China's consumer finance market and divided China's consumer finance providers into commercial Banks and listed consumer finance companies. Guojin wan by analyzing current status of consumer financial services in China, put forward the consumer financial development of the Internet platform and comparative advantage of small and medium-sized Banks in the consumer financial services development trend of the two.

Although the tepid consumer financial development in our country, but as the Internet financial, consumer finance is no longer confined to the traditional small and medium-sized Banks, consumer finance has become the new trend of development of the Internet. However, because under the background of the development of the Internet financial, there is a lack of relevant legal system, credit system is not perfect, lax supervision, it increase the risk of Internet consumer finance. At present, most of the research on China's consumer finance is limited to qualitative analysis, but it has certain guiding significance for China to boost domestic demand through consumption.

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