中国消费金融的现状、展望与政策建议

The Status Quo, Prospects of Chinese Consumer Finance and the Policy Suggestions

发展消费金融有利于中国宏观经济结构优化、提高中国货币政策传导效率、促进中国传统金融机构转型。中国已形成了多层次的消费金融服务商结构,但与发达国家相比尚存差距。为了进一步发展消费金融,应该加强消费金融的风险管理,完善社会征信体系建设,保护金融消费者合法权益,营造理性消费文化,加强对大数据的开发与应用,以场景消费为支撑发展消费金融。

Developing consumer finance helps to optimize China＇s macroeconomic structure, to enhance the effectiveness of monetary policy and to promote the transformation of traditional financial institutions. China has formed a multi-level structure of consumer finance service providers, but it lags behind the developed countries. In order to develop consumer finance further, we should strengthen the risk management of consumer finance, improve the construction of social credit reporting system, protect the legitimate rights and interests of financial consumers, create a rational consumer culture, strengthen the development and application of big data, and develop consumer finance based on scenario consumption.