我国消费金融业务的发展困境及对策刍议

根据2009年银监会文件成立的四家消费金融公司，是我国在拓展内需促进经济发展模式转型过程中作出的有益尝试，在前期发展过程中体现出自身的价值。文章针对消费金融公司前期发展过程中出现的业务发展较慢等问题，进行了简要的分析评述，并结合2014年开始施行的《消费金融公司试点管理办法》，针对发展困境提出了对策与建议。

Difficulties and Countermeasures in China’s Consumer Finance Business

Four consumer finance companies establishment according to 2009 document of central CBRC is the beneficial attempt during the course of expanding our domestic demand and facilitating the economic development model transformation of China,which reflected its own value in development course of early period. This article made simple analysis and comment on issues related with slower growth of business etc. appeared in consumer finance company development course of early period,and put forward countermeasures and suggestions for development dilemma based on Consumer Finance Company Testing Management Regulations begun in 2014.