金融科技深度介入消费金融产业的发展挑战与克服进路

The Development Challenges and Overcoming Approaches of the Deep Involvement of Financial Technology in the Consumer Finance Industry

金融科技深度介入消费金融产业,促使我国消费金融产业历经产业生命周期下的导入期、成长期与成熟期,驱动消费金融产业高速发展以及格局嬗变,即传统消费金融机构的市场竞争力下降,互联网消费金融机构因金融科技深度介入而竞争力上升。然而,金融科技如何促进消费金融产业从高速发展向高质量发展转变?通过采用产业链研究方法,全面剖析金融科技深度介入消费金融产业链而带来的高质量发展挑战,即我国消费金融产业面临着宏观监管(金融监管套利)与微观结构(平台创新分化、资金供求矛盾、消费场景缺乏)等发展困境。为实现金融科技时代下消费金融产业的高质量发展,我国需要从宏观监管与微观结构层面完善消费金融产业的克服进路:在宏观监管层面,强化消费金融产业的法律规范建设与监管科技应用;在微观结构层面,需要从消费金融平台发展、融资渠道拓宽、消费场景建设等全面深化消费金融的产业链发展。

The deep involvement of financial technology in the consumer finance industry has prompted the consumer finance industry in China to go through the introduction period,growth period and maturity period under the industrial life cycle,driving the high speed development of the consumer finance industry and the pattern evolution,that is,the market competitiveness of traditional consumer financial institutions has decreased,and the competitiveness of Internet consumer financial institutions has increased due to the deep involvement of financial technology.However,how can financial technology promote the transformation of the consumer finance industry from high speed development to high quality development?By adopting the industrial chain research method,this paper comprehensively analyzes the high quality development challenges brought by the deep involvement of financial technology in the consumer finance industry chain,that is,the consumer finance industry in China is facing the development dilemma of macro regulation(financial regulation arbitrage)and micro structure(platform innovation differentiation,capital supply and demand contradiction,and lack of consumption scenarios).To achieve the high quality development of the consumer finance industry in the era of financial technology,China needs to improve the overcoming approach of the consumer finance industry from the macro regulation and micro structure levels:At the level of macro regulation,it is necessary to strengthen the construction of legal norms and the application of regulatory technology in the consumer finance industry;At the micro structure level,it is essential to comprehensively deepen the industrial chain development of consumer finance from the development of consumer finance platforms,the expansion of financing channels,and the construction of consumption scenarios.