银行业消费金融发展趋势、潜在风险及对策研究

Banking Consumer Finance:Trends, Potential Risk and Policy Recommendations

随着供给侧结构性改革的深化,大数据和互联网技术的发展,银行业消费金融呈现出新的特点,一方面是传统银行业不断转变业务模式,深度参与消费金融活动;另一方面,保险公司、互联网金融公司等非传统主体积极涉足消费金融领域,但同时一些问题和风险也逐步显现。本文分析了当前传统银行业消费金融发展中的影响因素、存在问题以及潜在风险,并从强化银行业消费金融机构风控能力建设、建立分层消费金融业务体系、优化消费金融发展的宏观环境等方面提出推动消费金融市场健康发展的对策建议。

With the deepening of the supply-side structural reform and the development of big data technologies, consumer finance has exhibited new patterns. On the one hand, traditional banks constantly transform its business mode and become deeply involved in consumer finance. On the other hand, non-traditional entities such as insurance companies and internet finance companies are also trying to take a share. Thus problems and risks may arise. This paper discusses factors influencing traditional banking’s consumer finance business and analyzes existing problems and potential risks. To promote the development of a viable consumer finance market, banks should strengthen the financial institutions’ risk management capabilities, build up multi-level consumer finance system to meet their differentiated needs and the government should improve the macro environment.