我国消费金融公司发展的困境与出路

The Difficult Situation of China's Consumer Finance Company and the Way Out

在我国消费拉动经济增长能力低下的情况下,设立消费金融公司对我国经济发展具有重要意义。但其发展也面临着竞争力不强、目标客户群地域受限、无法改变居民消费倾向、产品供需不对称、经营风险大和资金来源有限等诸多挑战。本文分析了我国消费金融公司发展所面临的困境;总结了消费金融公司发展的国际经验;提出了若干政策建议。

Given the low contribution of consumption in promoting China＇s economic growth,the establishment of consumer finance companies is of important significance to the national economic development.However,their development is faced with many challenges such as weak competitiveness,geographical limit of target customer base,inability of changing people＇s consumption preferences,asymmetry of supply and demand,high operational risks,and limited funding sources.This paper analyzes the difficult situation of China＇s consumer finance companies;summarizes the development experience of international counterparties;and makes some policy recommendations.