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商业银行布局消费金融 2020年规模有望突破8万亿元
2017-09-01 07:26:25 中国经济网
■本报记者 傅苏颖
“经过近几年的培育与发展,消费金融已成长为金融业一个重要‘风口’,相关机构预计到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%。”招商银行副行长刘建军31日在银行业例行新闻发布会上表示。
在业内人士看来,目前轻型化发展已获得商业银行的共识,经历了近几年的转型,中间业务已成为推动银行业盈利增长的重要引擎,其中,消费金融等重点新兴业务对非息收入增长的拉动作用不断显现。另外,伴随大数据、云计算、区块链、人工智能等为代表的金融科技的兴起,银行正从渠道、产品、场景等维度探索与金融科技的相融相和之道。
“消费金融是我行践行普惠金融的重要方向。与此同时,招行的战略转型已经进入下半场,金融科技将成为下半场转型的核动力。”
据《证券日报》记者统计,截至目前,已经开业和筹建中的持牌消费金融公司达27家,业务模式分为线上、线下及线上线下相结合等三种模式。
苏宁金融研究院互联网金融中心主任、高级研究员薛洪言昨日对《证券日报》记者表示,当前,基于数据做消费金融业务已经成为主流趋势。2016年以来,各类金融机构加大了对消费金融的布局,就目前的市场格局看,基于资金成本和风控手段的不同,消费金融市场有着明显的分层,低息模式下,面向优质客群,主要有银行和互联网巨头两类玩家,前者的优势是资金成本,后者的优势是数据和场景;高息模式下,面向次级类用户,主要是各类分期平台和P2P平台,用利率覆盖风险。“从行业现状来看,消费金融的渗透率仍然有很大空间,整体上仍处于蓝海期,不过,就一些细分场景和领域,已经出现了红海迹象。”
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