The 3rd China Consumer Finance Forum was held in Beijing on January 10 by the "New Era: Rules and Innovations in Consumer Finance" sponsored by China and World Economic Research Center, Tsinghua University. Gristal Consumer Finance Co., Ltd., BOC Consumer Finance Company, etc. Representative business executives attended.
The "2017 China Consumer Finance Market Research Report" (Report) issued by the forum pointed out: Consumer finance has become an important factor in promoting consumption growth and economic restructuring. Compliance and innovation are the key to the healthy and sustainable development of the market.
With the increase of people's income and consumption level, with the vigorous development of the Internet, the traditional forms of consumption and consumption concepts have been unable to meet the diversified consumer needs of the people.Consumer financial services just make up the traditional financial services in the business sinking coverage Insufficient to meet people's pursuit of new consumption patterns.
The report is a portrait of consumers of consumer finance survey shows that consumer credit consumer preference for young people, accounting for nearly half of the age of 18-29, more than 70% of the monthly income of customers in the 5000 yuan.30% of consumer credit Was used to purchase home appliances.According to the report, with the popularization of the consumer finance industry, more and more consumers are open to spending on borrowing, and even gradually consume the financial instruments to optimize consumption behavior even if they have sufficient liquidity on hand.
The report suggests that in the future, on the compliance aspect, one is to bring various types of consumer credit enterprises into a unified regulatory system; the other is to strengthen internal risk management; the third is to establish a complete personal credit information system; and on the innovation front, one is to vigorously develop a multi-level capital market , Broaden the financing of consumer finance companies, the second is to continue to explore the long-tail customers and niche markets, tap potential customer needs