我国消费金融公司从试点走向成功的前瞻性思考
发布时间：2018-08-17 11:25
【摘要】：在当今国际金融危机的阴霾还未完全消退、外需还不太景气的情况下,设立消费金融公司对于刺激居民消费、扩大内需,促进我国经济增长从投资主导型向消费主导型转变有很重要的现实意义。消费金融公司作为一类全新的金融机构,根据其目标客户、提供的产品以及风险管理模式等方面的特点,它在试点期间可能会遇到信贷风险、缺乏市场需求、监管经验不足等问题,须在完善消费信贷公司发展的保障体系、创新业务模式、加强外部监管等方面采取相应的措施加以解决,消费金融公司才能从试点走向成功并得以可持续发展。
[Abstract]:When the haze of the current international financial crisis has not completely subsided and the external demand is still not very good, the establishment of consumer finance companies will stimulate residents' consumption and expand domestic demand. It is of great practical significance to promote China's economic growth from investment-oriented to consumption-oriented. As a brand new financial institution, consumer finance companies may encounter credit risk and lack market demand during the pilot period according to the characteristics of their target customers, products and risk management models. Problems such as inadequate supervision experience should be solved by improving the security system for the development of consumer credit companies, innovating business models, strengthening external supervision, and so on. Consumer finance companies can move from pilot to success and sustainable development.
【作者单位】： 湖南商学院财政金融学院;
【分类号】：F832.3
[Abstract]:When the haze of the current international financial crisis has not completely subsided and the external demand is still not very good, the establishment of consumer finance companies will stimulate residents' consumption and expand domestic demand. It is of great practical significance to promote China's economic growth from investment-oriented to consumption-oriented. As a brand new financial institution, consumer finance companies may encounter credit risk and lack market demand during the pilot period according to the characteristics of their target customers, products and risk management models. Problems such as inadequate supervision experience should be solved by improving the security system for the development of consumer credit companies, innovating business models, strengthening external supervision, and so on. Consumer finance companies can move from pilot to success and sustainable development.
【作者单位】： 湖南商学院财政金融学院;
【分类号】：F832.3
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