and consumer financial education as well as consumer welfare. In the end, he proposed several suggestions for China's consumer finance researchers: first, Chinese consumers have their own characteristics, and they are different from westerners in financial behavior. Second, consumer finance research can be used to encourage and support rational credit behavior and guide credit market development. Third, in the study, it is suggested that understand behavior based on theoretical models and develop problem-based framework for data collection, analysis and hypotheses test. Fourth, the consumer financial education for Chinese consumers may be more important, and from the view of public policy, consumer finance research should take the welfare of consumers into consideration.

After the speeches, authors of 11 papers reported their latest academic achievements, covering the topics like consumer finance and household consumption and finance, consumer finance and consumer education and protection, consumer finance and related products, consumer finance and investment behavior and so on. Domestic and foreign experts gave splendid comments.