我国消费金融的SWOT分析

消费金融公司作为我国消费金融体系的一个重要组成部分,在我国"保增长,扩内需"的大背景下,在国家政策的引导下孕育而生。消费金融主要是为个人耐用消费品和个人一般用途提供贷款,有审批速度快、服务方式灵活和无需担保、质押等优点,但我国的消费金融公司存在着运营经验不足、资金来源不足、投资主体单一、竞争力不足、信用风险较大等问题。我国消费金融的发展应从消费金融公司内部和外部环境两个方面做出调整,如增加合作商户数量、扩大业务范围、贷款额度分级、拓宽资金来源方式、加强消费金融知识的宣传、建立健全个人征信系统、完善信贷法律、法规及监管制度等。

SWOT Analysis of China Consumer Finance

As an important part in consumer financial system in our country,the consumer financial company in China is born out under the guidance of national policy and the background of "to maintain growth,expand domestic demand " in China.Consumer finance mainly provides loan for personal durable consumer goods and personal general purpose,the examine and approve speed is fast,the service is flexible and without guarantee and pledge,but there are insufficient operating experience and funds on China’s consumer finance companies,the investment subject is single,competitiveness is insufficient,credit risk is bigger,etc.China’s consumer financial development should make the adjustment from two aspects,which include the internal and external environment in consumer financial company,such as increasing the quantity of the cooperation commercial tenant,expanding the business scope,classifying the loan limit,broadening the financing form,strengthening propaganda of consumer financial knowledge,and establishing personal credit registry system,perfecting credit laws,regulations,rules and the supervision system.