Chinese consumer finance: A primer |
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Authors: | Kerry Liu |
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Affiliation: | The China Studies Centre, Level 7 Jane Foss Russell Building (G02) 156 City Road, The University of Sydney, Darlington, NSW 2006, Australia |
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Abstract: | Chinese consumer finance has been booming recently, especially since 2014. However, research on this topic is scant. This study presents an updated analysis, providing original, significant contributions for academics, investors, and policymakers. We explore five perspectives: (1) macroeconomics: policies adopted by the Chinese government to enhance economic growth through promoting personal consumption; (2) financial market: China’s different types of consumer finance institutions and their financing; (3) consumers: improvements in financial inclusion and consumer protections; (4) regulations in the context of supply-side structural reforms; and (5) potential areas for future academic research. |
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Keywords: | Consumer finance Consumer credit Consumption Licensed consumer finance company Internet finance Asset-backed security (ABS) Peer-to-peer (P2P) |
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