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消费金融爆发式增长 谨防风险

2017-09-27 13:26:38   

与此同时,信用卡业务也成为不少银行尤其是股份制银行发力的重点。以浦发银行为例,其信用卡业务2017年上半年总收入达218.65亿元,同比增长94.05%。

信用卡服务平台我爱卡首席研究员董峥在接受《经济参考报》记者采访时表示,信用卡是银行与用户建立联系的重要工具。因此,在消费主力年轻化、竞争日趋激烈的信用消费市场,通过信用卡业务从场景获客、并依托场景提高用户体验,对银行而言是新的竞争机遇。

消费金融行业另一重要的参与者就是持牌的消费金融公司。今年8月下旬,中青旅公告称与光大银行共同发起成立“光大消费金融股份有限公司”。目前,持牌公司达到约22家。

近期,多家消费金融公司公布了其2017年中报,营业收入、净利润同比均出现大幅增长。比如,今年上半年,中银消费金融有限公司实现营业收入20亿元,同比增长125.73%;净利润6.45亿元,同比增长192%。与此同时,马上金融、苏宁消费金融和华融消费金融在今年上半年也实现了扭亏为盈。

在上述两类机构之外,行业巨头旗下的互联网金融公司和一些P2P借贷平台也涌入消费金融行业。得益于天然的消费场景和便捷的产品体验,互联网消费金融的增长尤为迅猛。根据艾瑞咨询的最新报告,从2013年到2016年,我国互联网消费金融交易规模从60亿元猛增到4367亿元,4年增长70倍,年复合增长率达317%。

  “过度消费”、“过度授信”苗头显现

“我使用蚂蚁花呗已经快两年,信用额度有1万多。花呗连着支付宝,线上支付比较方便。和老一辈‘量入为出’不同,我们这代人喜欢花明天的钱,遇到贵一点的东西可以分期付款。”在互联网公司工作的90后刘浩说。

消费金融的服务客户正在向着年轻群体不断下沉。《经济参考报》记者随机采访的10名90后均表示,使用信用卡/蚂蚁花呗/京东白条中的一类或两类。

蚂蚁金服的数据显示,国内近1.7亿90后中,超过4500万开通了花呗,相当于每4个90后就有1个人在用花呗。招商银行旗下招联消费金融公司表示,目前授信客户1100万人,累计放款超过1200亿元,其中34岁以下客户占比达到83%。

在消费金融客户更为年轻化的同时,“过度消费”的苗头开始显现。由于大学生申请信用卡有难度,校园分期一度成为消费金融的高频场景。有消费金融公司人士表示,每年苹果新品发布会后,通过分期贷款购买手机的大学生会明显增多。不少大学生金融意识较为薄弱,还款能力有限,由此引发的违规催收甚至暴力催收事件,多次成为新闻事件。

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