消费金融公司的发展、模式及对我国的启示

Consumer Finance Company:its Development,Operation,and Enlightenment for China

本文介绍了西方消费金融公司的发展、模式,并论述了其对我国消费金融公司建设和发展的启示。论文首先对消费金融公司的发展历史做了一个简要回顾;其次,论文对目前西方消费金融公司的两种基本运作模式进行了归纳和对比;最后,论文总结了西方消费金融公司的发展和模式对我国将来消费金融公司建设和发展的若干启示。

The paper introduced the histories and different operations of consumer finance companies （CFC） in USA and UK, to conclude some enlightenment for China, which established its own CFC in January 2010. The paper firstly gave a brief retrospect on the history of CFC. Then, the paper made a comparison between the so-called American Model and British Model of CFC＇ s operation, based on which some enlightenments could be drawn. The paper also gave some suggestions to establish and improve China＇ s CFC.