摘要
我国国民经济经过多年高速发展,经济规模已经居于世界前列,为保持我国经济高质量可持续发展,国家适时提出通过刺激内需拉动经济增长,中央提出了构建国内国际双循环的新经济发展格局。在这一经济结构转型过程中,消费金融在促进消费、扩大内需方面具有积极的推动作用。从2010年开始,监管部门就开始消费金融公司试点工作,到现在已取得了丰硕成果,有力地推动了居民消费。但消费金融公司在我国的发展还不是很成熟,存在着一些问题。本文总结了消费金融市场发展中的经验教训,分析了消费金融公司的优势及问题,提出了一些想法和建议,期望对我国消费金融市场起到有益帮助。
Aafter years of rapid development of China's national economy,the economic scale has been in the forefront of the world.In order to maintain the high-quality and sustainable development of China's economy,the state timely proposed to stimulate economic growth by stimulating domestic demand,and the central government proposed to build a new economic development pattern of domestic and international double circulation.In this process of economic structure transformation,consumer finance plays a positive role in promoting consumption and expanding domestic demand.Since 2010,the regulatory authorities have started the pilot of consumer finance companies,which has achieved fruitful results and effectively promoted residents'consumption.However,the development of consumer finance companies in China is not very mature,and there are some problems.This paper summarizes the experience and lessons in the development of consumer financial market,analyzes the advantages and problems of consumer financial companies,and puts forward some ideas and suggestions,hoping to help China's consumer financial market.
作者
邵书怀
SHAO Shu-huai(Suzhou Institute Trade&Commerce,Suzhou 215000,China)
出处
《价值工程》
2021年第30期74-76,共3页
Value Engineering
关键词
双循环
消费金融
内需市场
监管
double circulation
consumer finance
domestic demand market
supervision
