我国消费金融发展面临的问题及对策建议  

The Problems and Countermeasures of the Development of Consumer Finance in China

作　　者：崔学敏[1] 王本玺[1] 于晓阳[1] CUI Xuemin;WANG Benxi;YU Xiaoyang

机构地区：[1]中国人民银行白山市中心支行,吉林白山134300

出　　处：《吉林金融研究》2020年第11期28-31,共4页Journal of Jilin Financial Research

摘　　要：随着我国经济的持续繁荣和居民可支配收入的不断攀高,消费金融异军突起,成为发展的新动力。快速发展的同时也面临着民间借贷利率重划红线带来的调整压力、消费观念异形、产品创新乏力、现有法律法规不够完善等问题。在未来的发展中,应通过积极应用新技术、完善消费金融的相关法律法规、转变传统的消费观念促进消费、优化升级金融消费产品和服务等层面的不断发力,实现对我国消费金融市场环境和活力的再造,使这一金融发展样式真正成为国家经济发展的新引擎。With the continuous prosperity of China's economy and the rising disposable income of residents,consumer finance has become a new driving force of development.At the same time,the rapid development is also faced with the adjustment pressure brought by the redrawing of the private lending interest rate,the abnormity of consumption concept,the lack of product innovation and the imperfect laws and regulations.In future development,we should actively apply new technology,improve the relevant laws and regulations of consumer finance,change the traditional consumption concept to promote consumption,the optimization and upgrading of fi nancial products and services,so as to realize the reconstruction of the environment and vitality of China's consumer financial market,and make this financial development model truly become the new engine of national economic development.

关 键 词：消费金融 消费 发展 

分 类 号：F830[经济管理—金融学]