资产证券化:消费金融公司的外部融资选择

Asset Securitization:Consumer Finance Company's External Financing Choice

结合目前我国居民消费金融业务的特点,探讨了消费金融公司选择新的融资方式的必要性,并根据银监会正式颁布的《消费金融公司试点管理办法》中的有关规定,对国内外消费金融公司的融资途径进行了比较和总结。在此基础上,给出了适合我国消费金融公司特点的新型融资模式,即资产证券化融资模式。

In respect to the features of domestic consumer finance business,we discussed the necessity of finding new ways of financing consumer finance companies.Taking into account the relative regulations in Measures for the Administration of Consumer Finance Companies issued by China Banking Regulatory Commission（CBRC）,we proceeded to propose a new mode in financing the consumer finance companies i.e.the method of asset securitization.This may be of significance in improving our consumer finance companies by lowering external financing cost and threshold in their business.