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多家消费金融公司2017年半年报见喜 消费金融再站风口

2017-09-21 07:32:31   中国经济网

▲ 从商业银行信用卡业务和个人消费信用贷款业务,到消费金融公司和互联网金融机构,目前我国消费金融领域已形成多层次、多元化的金融服务体系

▲ 消费金融市场,产品服务各有所长,借款人在选择机构时,应分析各自特征,并结合自身资信状况、价格偏好综合考量

近期,多家消费金融公司2017年半年报见喜,营业收入、净利润同比均出现大幅增长。一时间,消费金融再次站上风口,引发市场想象。

实际上,消费金融服务并不局限于消费金融公司。目前,商业银行、互联网金融机构均参与其中,形成了多层次、多元化的金融供给体系。

那么,当你有消费信贷需求时,应如何在上述机构中做出选择?需要考虑哪些因素?多位业内人士表示,建议借款人“三看”,一是看机构,判断自己的信用等级能否达到该机构的授信门槛;二是看资金价格,结合贷款利率和期限综合考量;三是看消费场景以及增值服务。

四种类别需看清

想做个微整形变美,但初入职场收入有限,又不想找父母支援怎么办?家住北京朝阳区的蔡琪就选择了贷款。

“我是单眼皮,感觉没什么精气神,想做个眼部微整形,从某股份制商业银行借了1万元信用贷款,1年期,年利率5.22%,等额本息,一个月还857元。”她说。

蔡琪的这一需求,正是消费金融的定位——房贷、车贷之外的日常消费,如教育培训、旅行、装修、美容、购物等。

对于部分年长的群体来说,“贷款消费”等同于过度消费、超前消费,是一件较难接受的事情,但对于像蔡琪这样的“90后”来说,贷款消费更多是出于流动性考量。

“借钱消费能够减少对我原有资金的大额集中占用,获得了流动性。此外,既有资金可以继续投资理财,如果其收益能够覆盖借钱的成本,还相当于赚取了差额收益。”蔡琪说。

伴随着上述观念的兴起与发展,近年来消费金融已成长为金融业的一个重要“风口”。招商银行相关负责人曾表示,预计到2020年消费金融规模将突破8万亿元,每年获客增长率超过20%。

目前,消费金融领域逐渐呈现出“群雄逐鹿”格局。从参与机构看,具体可分为四个层次。

第一层是商业银行的信用卡业务,这也是最早的消费金融产品,其突出特点是不能支取现金,资金流向从消费者账户到商家账户“点对点”,资金用途明确,覆盖人群广泛。

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