印度消费金融实践及启示

作为人口众多的发展中国家,中国和印度在很多方面有相似之处:经济快速发展、城镇化不断推进、中产阶层不断扩大、国内消费潜力巨大。印度政府在早些年即出台了拉动国内消费的举措,其中消费金融对转变印度消费者观念、刺激国内消费需求可谓功不可没。本文通过总结印度消费金融的各种实践,以期对中国消费金融的全面启动有所借鉴。

Consumer Financial Practice in India and its Inspiration to China

There are many similarities between China and India： developing country as the population of over one hundred million, the rapid economic development, the rapid urbanization, the growing middle class and the enormous domestic consumption potential.In the early years, India＇s government introduced initiatives to stimulate domestic consumption, and consumer finance has made undeniable contributions to stimulate domestic consumption demand.This paper summarizes a variety of consumer finance practice in India with a view to the full launch ofChina＇s consumer finance.