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消费金融公司尤需把风险看住

2017-09-15 07:01:41   中国经济网

在当前扩大内需、促进消费的背景下,消费金融的兴起可谓恰逢其时。然而,行业快速发展、盈利能力增强固然值得肯定,但其背后隐藏的风险仍需高度警惕,消费金融公司需把好风险关口

近期的“一热一冷”,让消费金融公司再度引发社会广泛关注。

“热”是因为多家消费金融公司半年报见“喜”;“冷”是因为作为我国首批四家消费金融公司之一,北银消费金融因违规经营被监管处以高达900万元的行政处罚。

多位业内人士表示,在当前扩大内需、促进消费的背景下,消费金融的兴起可谓恰逢其时。行业快速发展、盈利能力增强固然值得肯定,但其背后隐藏的风险仍需高度警惕,消费金融公司需把好风险关口。

“补位”作用十分明显

从近期发布的2017年半年报看,多家消费金融公司发展态势良好,盈利水平不断提升,其金融服务“补充者”的角色和作用得以发挥。

数据显示,上半年中国银行控股的中银消费金融营业收入20亿元,净利润6.4亿元,同比增长190.9%;招商银行与中国联通共同组建的“招联消费金融”营业收入达22.97亿元,净利润5.41亿元;重庆银行参股的马上消费金融营业收入12.66亿元,净利润1.34亿元,首次破亿。

“截至2017年7月末,招联消费金融累计授信客户1260万,累计放款超过1400亿元,户均贷款不到6000元。”该公司常务副总经理方一明说。

方一明表示,公司的信贷产品面向活跃于互联网、中低收入的年轻客户群,为他们提供以生活消费为目的的小额、短期互联网普惠金融产品,可以填补传统银行消费金融服务的空白。

补充者,这正是监管层对消费金融公司的功能定位。

2009年,国务院同意在北京、天津、上海、成都开展首批消费金融公司试点,2013年新增12个试点城市,2015年试点扩大至全国。具体来看,消费金融公司是独立于银行体系之外的非银机构,不吸收公众存款,以小额、分散为原则,为居民个人提供除房贷、车贷以外的日常消费贷款。

“消费金融公司增加了细分市场的金融服务供给,有助于促进国内消费信贷市场逐步形成多层次、多元化的金融服务体系。”中国银监会相关负责人说,消费金融能够释放消费潜力、助力消费升级、践行普惠金融。

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