经济转型进程中消费金融的风险防控

发布时间：2018-02-22 22:44

本文关键词： 消费金融经济转型消费金融公司风险防控　出处：《中州学刊》2017年11期 　论文类型：期刊论文

【摘要】：当前我国正处于经济转型升级的关键阶段,消费成为促进经济增长的主要动力,消费金融的发展则是扩大内需的重要途径。消费金融公司作为消费金融市场的主要供给主体,风险防控是消费金融公司发展的关键,在经济转型背景下,明确消费金融促进消费转型升级的机理,剖析消费金融公司的发展现状和消费金融公司面临的风险来源,进而从利用大数据分析识别信用良好的客户,建立消费贷款利率的风险定价机制,建立信用评分系统与自动化审批程序,加强贷款账户的监管,建立基于产品、客户与经济周期的风险识别能力,培养具有风险防控能力的专业金融人才以及充分发挥银监会的监管作用等七大方面着力,可有效防范我国消费金融公司的风险。
[Abstract]:At present, our country is in the critical stage of economic transformation and upgrading. Consumption becomes the main driving force to promote economic growth, and the development of consumer finance is an important way to expand domestic demand. Risk prevention and control is the key to the development of consumer finance companies. In the context of economic transformation, the mechanism of consumer finance promoting consumption transformation and upgrading is clarified, and the development status of consumer finance companies and the sources of risks faced by consumer finance companies are analyzed. Then, by using big data to analyze and identify customers with good credit, to establish a risk pricing mechanism for consumer loan interest rates, to establish a credit scoring system and an automatic examination and approval process, to strengthen the supervision of loan accounts, and to establish a product-based system. The risk identification ability of customer and economic cycle, the training of professional financial talents with risk prevention and control ability and the exertion of the regulatory role of CBRC can effectively guard against the risks of consumer finance companies in China.
【作者单位】：湘潭大学商学院;
【基金】：国家自然科学基金面上项目“金融排斥背景下信用环境与中国农村商业银行可持续发展研究——基于湖南省的实地调研数据”(71273220) 湖南省教育厅一般项目“地方政府行为下的信用环境构建与农村商业银行成长的联动机制研究”(14C1074)
【分类号】：F832

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