“双循环”新发展格局下我国消费金融可持续发展研究

Research on the Sustainable Development of China’s Consumer Finance under the New Development Pattern of“Dual Circulation”

“双循环”新发展格局以数字化引领金融创新,赋能消费金融高质量发展。消费金融是扩大消费需求、加速消费升级的催化剂,是助力经济增长的重要驱动力。在消费金融快速扩张的同时,市场存在着高利贷、虚假夸张宣传等金融乱象、业务下沉效应明显的行业经营风险上升、贷款风险防控能力滞后等问题,本文主要从数字化监管、数字化研发、数字化风控及数字化运营等方面探讨消费金融的可持续发展,仅供参考。

The new development pattern of“dual circulation”leads to financial innovation with digitalization and empowers the high-quality development of consumer finance.Consumer finance is a catalyst for expanding consumer demands and accelerating consumption upgrading.It is an important driving force for economic growth.With the rapid expansion of consumer finance,there are some problems in the market,such as financial chaos of usury,false exaggeration,and propaganda,the increase of industry operating risks with obvious business sinking effect,and the lag of loan risk prevention and control ability.This paper mainly discusses the sustainable development of consumer finance from the aspects of digital supervision,digital research and development,digital risk control and digital operation,etc.,for reference.