我国发展消费金融公司初探

On the Consumer Financial Companies in China

国际经济危机导致的出口下降和投资疲软严重地影响了我国经济的持续增长。在此背景下,经国务院批准,银监会发布了《消费金融公司试点管理办法》。2010年1月,首批由北京银行(北京),中国银行(上海),成都银行(成都)作为主要出资人筹建的消费金融公司经银监会批准成立。文章分析了金融消费公司的产生背景和深远影响,通过市场调查预测了其商业前景,并对消费金融公司未来的发展提出了政策建议。

The international financial crisis has seriously affected China＇s sustaining economic growth.In this background,approved by the state council,the CBRC issued a ＂Measures for Administration of Pilot Consumer Financial Companies＂.On January 2010,first by Bank of Beijing（Beijing）,Bank of China（Shanghai）,Chengdu bank（Chengdu） as the main investor to build the Consumer Financial Companies approved by the CBRC.This paper analyzes the background of Consumer Financial Companies and far-reaching influence,and through the market survey forecasts the commercial prospects for the future,and finally puts forward the normal operation of the policy suggestions.