新闻 > 经济
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410259.html
Server: cms-9-53
Date: 2024/12/03 22:48:16

Powered by China
China

破“假消费真买房”:除了“自查”别忘“市场”

2017-09-15 07:31:52   新华网

金融观察

当前不论是消费信贷,还是其他金融活动,严格合同约定的资金使用用途,不仅要借助监管的严格厘定,也需要金融科技的发展和市场分工的精细化护航。

据新京报报道,一轮银行业针对个人消费贷款是否违规用于购房的自查大幕开启。目前北京地区各家银行已根据北京市银监局发布的《通知》开展自查,主要针对单笔贷款20万以上的个人消费贷和100万以上的个人经营贷开展自查,以及信用卡透支不低于20万元用于支付购房款,重点检查“房抵贷”等资金违规流入房地产市场的情况。

随着中国经济增长模式从投资驱动向需求驱动转型,消费金融正在成为国内金融业务发展的一大亮点,消费金融牌照也炙手可热。不过,随消费金融的快速发展,不免出现鱼龙混杂,最典型的就是楼市调控下,中短期买方消费金融被运作成长期卖方消费金融。

用中短期消费信贷购置房产,容易出现偿付能力与负债的期限结构风险,进而滋生个人资金池业务风险,近年来出现的信用卡连环套现风险,就是由于个人偿付能力与负债总量和结构失配等问题引起的。最近监管层严控另类消费金融的首付贷,也是出于这些担忧。

要解决这一风险隐患,单纯通过行政禁止却并不一定可行。由于金融机构与监管者间、金融消费者与金融机构间,都存在信息不对称,这导致监管部门的发现成本较高,金融机构难以完全杜绝金融消费者的短贷长投问题。

因此,问题症结就转向了如何消除监管、机构和消费者间的信息不对称性。尴尬的是,中心化商业运作模式的运作原理就是基于信息不对称,因此该问题不可能从根本上消除。但现代金融科技的发展,尤其是区块链技术协议在金融市场的应用,已为缓解并消除信息不对称性提供了必要技术准备。

一方面,金融市场分工的日益精细化,在提高金融专业服务技术水平和质量的同时,也使任何一个机构单凭一己之力,难以提供完整的金融全生命周期服务,而金融服务的市场化分工,使不同金融机构具有了相互依赖和制约的作用,也即个体间非合作博弈可以结出合作博弈的效果,从而可通过市场个体间自利博弈、市场的自律自治等机制,防范欺诈和串谋等风险。因为随着参与主体的增多,各方的串谋欺诈成本将呈指数级上升,在自然利率稳定下,串谋成本甚至高于收益。

另一方面,随着市场纵向分工日益精细化,不同市场主体协作完成特定金融服务,需要各方的信息对称博弈,而随着金融科技,尤其是区块链技术协议广泛应用到金融服务市场,为金融活动所有参与者都以公开、透明、不可篡改、可追溯等服务操作方式,参与到产融或消融活动的过程提供了可能。

总之,当前不论是消费信贷,还是其他金融活动,严格合同约定的资金使用用途,不仅要借助监管对不同金融活动进行的严格厘定,也需要金融科技的发展和市场分工的日益精细化护航,若两者能相互结合,将会呈现出好风借好力的事半功倍之效。

□刘晓忠(资深金融从业人士)

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410259.html
Server: cms-9-53
Date: 2024/12/03 22:48:16

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410259.html
Server: cms-9-53
Date: 2024/12/03 22:48:16

Powered by China
China

相关阅读

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410259.html
Server: cms-9-53
Date: 2024/12/03 22:48:16

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410259.html
Server: cms-9-53
Date: 2024/12/03 22:48:16

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410259.html
Server: cms-9-53
Date: 2024/12/03 22:48:16

Powered by China
China
分享到:
0 0
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410259.html
Server: cms-9-53
Date: 2024/12/03 22:48:16

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410259.html
Server: cms-9-53
Date: 2024/12/03 22:48:16

Powered by China
China

美图推荐

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410259.html
Server: cms-9-53
Date: 2024/12/03 22:48:16

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410259.html
Server: cms-9-53
Date: 2024/12/03 22:48:16

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410259.html
Server: cms-9-53
Date: 2024/12/03 22:48:16

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410259.html
Server: cms-9-53
Date: 2024/12/03 22:48:16

Powered by China
China

为您推荐

加载更多>>
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410259.html
Server: cms-9-53
Date: 2024/12/03 22:48:16

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410259.html
Server: cms-9-53
Date: 2024/12/03 22:48:16

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170915/31410259.html
Server: cms-9-53
Date: 2024/12/03 22:48:16

Powered by China
China