“双循环”新发展格局下对中国消费金融发展的思考  

Reflections on the Development of China's Consumer Finance under the new Development Pattern of “Double Circulation”

作　　者：沈艳兵[1] 贾艳慧[1] SHEN Yan-bing;JIA Yan-hui(Tianjin Academy of Social Sciences,Tianjin 300191)

机构地区：[1]天津社会科学院经济分析与预测研究所,天津300191

出　　处：《江苏商论》2022年第3期16-19,共4页Jiangsu Commercial Forum

摘　　要：近些年来,中国的消费金融行业发展迅速,已成为促进消费、拉动内需的主要动力引擎,在国民经济中发挥了重要的作用。中国消费金融信贷结构不断优化,已经形成了以商业银行、持牌消费金融公司和互联网金融公司为主的多层次消费金融服务体系。在“十四五”发展的新阶段,双循环发展格局对消费金融发展提出了新的要求,因此,消费金融的发展要适应新形势,以科技创新为引领,以完善的征信系统和法律法规系统为保障,加强规范化监管,防范金融风险,不断提升消费金融发展水平。In recent years,China's consumer finance industry has developed rapidly,and has become the main driving force for promoting consumption and stimulating domestic demand,and has played an important role in the national economy.China's consumer finance credit structure has been continuously optimized,and a multi-level consumer finance service system has been formed,mainly consisting of commercial banks,licensed consumer finance companies and Internet finance companies.In the new stage of the“14th Five-Year Plan”development,the dual-cycle development pattern has put forward new requirements for the development of consumer finance.Therefore,the development of consumer finance must adapt to the new situation,be guided by technological innovation,and be guided by a sound credit reporting system and laws.The legal system is the guarantee,strengthen standardized supervision,prevent financial risks,and continuously improve the development level of consumer finance.

关 键 词：消费金融 新发展格局 十四五消费 

分 类 号：F71[经济管理—产业经济]