我国消费金融公司发展制约因素及路径研究

The Restricting Factors and the Path of the Development of the Consumer Finance Companies in China

随着国民日益增长的消费需求,新生出消费金融公司这一新型融资机构,不仅可以促进经济发展和消费转型,而且提高了国民消费水平和能力。然而依据我国消费金融公司的发展现状,前进道路上存在诸多制约因素,如融资和经营业务单一、自身风险较大。本文参考国外消费金融公司的发展模式,对我国消费金融公司发展的制约因素进行分析并提出相关建议。

Along with the increasing demand of the national consumption, the consumer finance companies--the new type of fi-nancing institutions can not only promote the economic development and consumption transfermation but also improve the national consumption level and ability. On the basis of the current development of China’s consumer finance companies, however, there are many restricting factors such as the single financing and business, great risks of their own and so on. Considering the importance of de-veloping finance and economy, the paper learns from the development modes of foreign consumer finance companies, analyzes the re-stricting factors of the development of China’s consumer finance companies, and puts forward relevant suggestions to provide the help for the development of China’s consumer finance companies as well as the finance and economy.