经济转型进程中消费金融的风险防控

Research on the Risk Prevention and Control of Consumer Finance in the Process of Economic Transformation

当前我国正处于经济转型升级的关键阶段,消费成为促进经济增长的主要动力,消费金融的发展则是扩大内需的重要途径。消费金融公司作为消费金融市场的主要供给主体,风险防控是消费金融公司发展的关键,在经济转型背景下,明确消费金融促进消费转型升级的机理,剖析消费金融公司的发展现状和消费金融公司面临的风险来源,进而从利用大数据分析识别信用良好的客户,建立消费贷款利率的风险定价机制,建立信用评分系统与自动化审批程序,加强贷款账户的监管,建立基于产品、客户与经济周期的风险识别能力,培养具有风险防控能力的专业金融人才以及充分发挥银监会的监管作用等七大方面着力,可有效防范我国消费金融公司的风险。

At present,China is in the critical stage of economic transformation and upgrading. Consumption has become the main driving force for economic growth,and the development of consumer finance is an important way to expand domestic demand. As the main supplier of consumer financial market,risk prevention and control of the consumer finance companies is the key to the development of consumer financial companies. This paper analyzes the mechanism of consumer finance promoting consumption transformation and upgrading,and describes the development status of consumer finance companies and their risk sources under the background of economic transformation. Then,this paper argues that we can effectively prevent the risk of consumer finance companies from the following seven aspects： first,identify customers with good credit through analyzing big data; second,establish the risk pricing mechanism of consumer loan interest rate; third,establish credit scoring system and automatic approval process; fourth,strengthen the supervision of loan accounts; fifth,establish risk identification ability based on product,customer and business cycle; sixth,cultivate professional financial personnel with risk prevention and control ability; seventh,give full play to the supervisory role of CBRC.