促进消费金融健康发展 助力释放消费潜力  

Promoting the Healthy Development of Consumer Finance to Unleash the Consumption Potential

作　　者：张丽平[1] 任师攀 Zhang Liping;Ren Shipan(Financial Research Institute,Development Research Center of the State Council;General Office,Development Research Center of the State Council)

机构地区：[1]国务院发展研究中心金融研究所 [2]国务院发展研究中心办公厅(人事局)

出　　处：《管理世界》2022年第5期107-114,130,共9页Journal of Management World

摘　　要：消费金融通常伴随着消费在国民经济中作用的提升而不断发展壮大,并与消费相辅相成、相互促进。近年来随着我国个人收入持续增长、家庭财富日益积累、经济向消费主导型转变,我国消费金融得以迅猛发展,规模快速扩大,业务创新更加活跃,服务对象更加广泛。这反过来又便利了居民的消费行为,激发了消费活力,促进了经济发展动能转换。然而在消费金融快速发展的过程中,由于部分消费金融提供者服务客群过度下沉、过分逐利、社会责任意识不强,市场上出现了裸贷、高利贷、暴力催收等诸多乱象。为进一步提高消费金融发展质量,使消费金融更好发挥对消费的支撑作用,需要通过规范消费金融供给,引导理性消费、抑制不当需求,明确利率及收费标准,加强消费者权益保护等措施,着力解决消费金融无序扩张、产品定价不合理、消费者权益保护较弱等问题,进一步防范化解消费金融已有和潜在风险,促进消费金融健康发展。A greater role of consumption in the national economy is usually accompanied by a momentum of growth for consumer finance,as they complement and reinforce each other. In recent years, as personal income continues to grow, families gradually build wealth and China shifts towards a consumption-oriented economy, China’s consumer finance has enjoyed a strong momentum, with a rapidly expanding scale,more vibrant business innovation and a more extensive client base. This, in turn, facilitates the consumption behavior of residents, stimulates vitality in consumption and promotes the replacement of old drivers of growth with new ones. However, with the rapid development of consumer finance, as some consumer finance providers focus too much on small-town and rural customers, pursue excessive profit and have a weak sense of social responsibility, there have been market chaos, such as nude photos for loan, usury, and violent debt collection, among others. In order to further improve the quality of consumer finance and better bring out its role in supporting consumption, it is necessary to take such measures as regulating the supply of consumer finance, guiding rational consumption, minimizing unreasonable demand, clearly specifying interest rates and charging standards, and strengthening protection of consumer rights and interests, and strive to address the problems of disorderly expansion of consumer finance, unreasonable pricing, weak protection of consumer rights and interests, among others, so as to further forestall and defuse the existing and potential risks of consumer finance and promote the healthy development of consumer finance.

关 键 词：消费金融 消费升级 金融风险 

分 类 号：F832[经济管理—金融学] F724