On August 18 message, according to " innovation of finance of Chinese general benefit reports (2018) " the report shows, the camp that ran a card to consume financial firm 2017 closes reached net profit to be greeted erupt greatly, in letter of couplet of silver-colored, action, nimble holds a card 3 times to consume finance fair net profit exceeds 10 yuan 100 million, among them the battalion that nimble believes closes is to break through 10 billion yuan more.
Occupy data of Chinese people bank to show additionally, remaining sum of loan of sex of our country household consumption reached 31.5 trillion yuan by 25.06 trillion yuan of growth 2016 2017, in total loan remaining sum occupy than by 2016 23.5% rise to 26.2% , the effect propping up that consumer credit develops to economy is more and more apparent.
And our country up to 2017, remaining sum of domestic consumer credit is only 40% American, consumer credit of average per capita has the United States only more very one of. Additional, 12% what remaining sum of Chinese consumer credit occupies GDP, and 20% what the consumer credit remaining sum of the developed country such as the United States occupies GDP on average, space of development of consumptive finance future cannot call not tremendous.
It is consumption upgrades another bit of tide arisen, direct by the price turn into value is oriented, and the consumptive idea that consumes ahead of schedule gradually thorough popular feeling. Borrow except the room, the car borrows the short term loan outside by 2016 19.7% 21.6% what increase to 2017. And the government encourages consumptive finance development as much, silver-colored inspect can enlarge pilot city ceaselessly, will pilot 2003 city enlarges 16, released 2015 " the directive opinion that develops about promoting Internet finance health " , in finance of countrywide pilot Internet.
Develop in high speed nevertheless while, consumptive banking firm also is facing bigger challenge. While the government is encouraging consumptive finance to develop, also strengthening superintend. The government was released in December 2017 " rectify about the standard " cash is borrowed " the announcement of business " . Begin to undertake be limitatived strictly to consuming high leverage of finance on one hand, to answer tall lever, firm of banking of 6 consumption that hold a card announces to add endowment plan, consume finance to will be added immediately among them endowment to 4 billion, register capital to be home highest, mail consumption finance is added in endowment 2 billion, register capital to achieve 3 billion, register capital for home the more than 2nd.
Because consume the crowd that the traditional banking orgnaization that financial firm faces serves hard,be additionally. Record of letter of this kind of crowd ask forring is not complete, do not have even, and firm of each consumption banking, and the credit system of traditional banking orgnaization before this mostly each other is not identical, this accused a system to raise taller requirement to consuming the wind of financial firm. Nevertheless last month, 100 travel ask forring believe net of test version official to had gone up line, the server is rented also had finished, go up formally from its line eye sees already not far, consumptive banking firm can borrow his probably further upward.
