消费金融公司在我国的发展现状与问题分析

Analysis of the Development Status and Problems of Consumer Finance Companies in China

随着经济的发展和人民消费水平的提高,我国消费金融的发展也进入了黄金时期,各种消费金融公司如雨后春笋般纷纷涌现出来。与传统的金融形式相比,消费金融更注重消费者的体验,并提供优质及便利的服务。但由于消费金融在我国发展时间尚短,我国目前的消费金融体系还有很多不足之处,需要进一步完善。论文主要阐述了消费金融公司在我国的发展现状、经营特点,分析了我国消费金融体系存在的不足,进而对我国消费金融的发展提出相关建议。

With the development of economy and the improvement of people's consumption level, the development of consumer finance in China has entered a golden period, and various consumer finance companies have sprung up like bamboo shoots after a spring rain. Compared with traditional forms of finance, consumer finance pays more attention to consumer experience and provides high-quality and convenient services. However, due to the short development of consumer finance in China, the current consumer finance system in China still has many shortcomings, which need to be further improved. This paper mainly expounds the development status and management characteristics of consumer finance companies in China, analyzes the deficiencies of China's consumer finance system, and then puts forward relevant suggestions for the development of China's consumer finance.