打造专业化差异化数字化发展特色消费金融公司成为重要新兴金融力量  

Consumer finance companies have become an important emerging financial force featuring specialization,differentiation and digitization

作　　者：无 

机构地区：[1]中国银行业协会消费金融专业委员会

出　　处：《中国银行业》2024年第10期34-37,41,8,共6页China Banking

摘　　要：消费金融公司贯彻国家着力扩大内需、优化结构、提振信心的决策部署,有效落实宏观经济政策,防范化解消费金融风险,加大消费信贷供给力度,推进金融科技应用,提升消费金融服务能力,形成专业化、差异化、数字化等三大发展特色。Since their founding,consumer finance companies have acted on the central government's decision and plans on expanding domestic demand,optimizing structure and boosting confidence,effectively followed macroeconomic policies,prevented and resolved consumer financial risks,increased consumer credit supply,and promoted the application of financial technologies,thus have developed into a industry featuring specialization,differentiation and digitization.The consumer finance market is moving towards a new stage of competing in the already-penetrated market,benign innovation and balanced development.Next,consumer finance companies need to further build their niches in consumer credit,and find a differentiated path suitable for their own development based on their own resource endowments and risk preferences.

关 键 词：消费金融公司 防范化解 金融风险 宏观经济政策 金融服务能力 优化结构 差异化 信贷供给 

分 类 号：F83[经济管理—金融学]