新机遇下的中国消费金融:潜在困境与发展方向

China’s Consumer Finance under New Opportunities:Potential Dilemmas and Development Direction

目前,消费仍是中国经济增长的重要引擎。在深化金融供给侧结构性改革的制度背景下,促进消费金融高质量发展,这对于助力中国经济转型升级、增强金融服务实体经济能力意义重大。本文深入分析了我国消费金融市场的发展态势,剖析了消费金融发展面临的潜在困境,并且在负责任金融理念的指引下,分别从监管部门、金融机构和金融消费者角度,提出了促进我国消费金融高质量发展的政策建议。

Consumption is still an important engine of China’s economic growth.Against the background of deepening financial supply-side structural reform,promoting high-quality development of consumer finance is of great significance in enhancing the contribution of financial services to the real economy.This paper analyzes the development trend and potential dilemma of China’s consumer financial market.It provides suggestions to promote the high-quality development of China’s consumer finance from the perspective of regulatory authorities,financial institutions and financial consumers.