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瞄准消费金融“奶酪” 银行系电商系平台各显神通

2017-09-08 11:21:52   央广网

⊙见习记者 魏倩 ○编辑 陈羽

试点开闸两年后,消费金融进入黄金时代,银行系、电商系平台“八仙过海各显神通”,争食市场大蛋糕。

据上证报记者梳理,23家持牌消费金融公司中,从可查经营表现的机构来看,九成在上半年实现盈利;电商平台的消费金融业务表现也不俗,其中京东金融消费金融业务收入实现近200%增长。

分析人士指出,未来消费金融市场仍然巨大,但是同质化现象严重,需发挥各自所长,实现竞合发展。

  淘金消费金融盛宴

消费金融市场参与者大体可分为两类,一类是银监会批准设立的23家持牌非银机构,为个人提供消费(不包括购买房屋和汽车)贷款,其中20家有银行背景,部分交叉有产业背景;一类是电商平台,主打消费分期产品,如京东白条、蚂蚁花呗。另外还有其他互联网金融平台提供的分期和现金贷产品。

今年上半年,消费金融出现爆发式增长,有银行背景的消费金融公司表现最为明显。其中,有两家公司营业收入达到或超过20亿元。

上半年,中国银行旗下中银消费金融营业收入为20亿元,增长达132.7%,实现净利润6.4亿元,同比增长190.9%。而招商银行与中国联通组建的招联消费金融,上半年业绩更是一骑绝尘:实现营业收入22.97亿元,同比增长2602.35%;净利润5.41亿元,同比增长982%。

“消费金融兼具轻资本和高回报特点,而且消费信贷机会大、风险低,能更好平衡银行业规模与效益。”招商银行副行长刘建军日前表示,消费金融是招商银行战略业务重点。

另外,马上金融、苏宁消费金融和华融消费金融这三家公司上半年扭亏为盈,分别实现净利润1.3亿元、1.47亿元以及4287万元。

电商系平台表现也不俗。京东集团二季度财报显示,京东金融消费金融业务收入同比增长近200%。“主要还是用户基数增长,效率也高。”京东金融消费事业部负责人区力告诉上证报记者,在消费链条上提供金融服务,复购率也比较高。

这些公司赚得盆满钵满,主要得益于消费金融发展正处在黄金时代。相关机构数据统计显示,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%。若从国内个人消费信贷市场来看,消费金融也有巨大增长空间。今年1至7月,居民新增消费性短期贷款达1.06万亿元,累计同比多增7137亿元,超过2016年全年总额。

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