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消费金融爆发式增长 谨防风险

2017-09-27 13:26:38   

邵文澜表示,消费金融金额小、频次高,在传统征信报告中并无相应的名录对应。如何接入征信系统,需要行业共同研究解决方案。

  监管应向功能性监管转变

业内人士表示,促进整个消费金融行业发展,还需完善消费金融的监管机制,探索功能性监管、分级监管。

记者获悉,当前涉足消费金融的机构中,有的持有专门的消费金融牌照,有的使用小贷公司的牌照,有的没有金融牌照,通过赊销开展业务。基于此,行业监管宜从目前的以机构监管为主向功能性监管逐步转变。

蚂蚁金服方面表示,由于消费金融参与主体良莠不齐,一些机构出事后,其他正规经营的机构也跟着“躺枪”。未来可探索分级监管,既减少监管成本,也有利于行业优胜劣汰。

此外,要重视金融消费者合法权益的保护。招联消费金融公司负责人建议,应适度限制放贷机构资质,解决新型市场主体的合法性问题,维护消费金融市场的稳定性。民间借贷多以利益为驱动,产品及管理上存在较多漏洞,例如渗透到校园中的民间借贷,对学生和社会产生多种负面影响。正规机构应有效利用自身流量与资金优势,探索相对客观的授信依据,拓展授信客户范围,以 “良币”驱逐“劣币”。

加强对金融消费者合法权益的保护也尤为重要。央行金融研究所所长孙国峰表示,有相当多的消费者并不特别清楚自己借的钱到底是什么利率。比如一些学生买苹果手机,贷款总额5000元,每个月还500元,一年下来的利率是20%甚至更高。这一方面需要消费金融机构以更加明确、通俗易懂的语言向消费者披露贷款风险,另一方面也需要针对大学生等重点群体加强金融风险教育,在社会上营造“理性消费”的文化。

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