自两年前在四个城市开展试点以来，国内四家消费金融公司获得了迅速发展，其贷款规模实现了翻番。

Since two years ago in four cities since the pilot,The four consumer financial company has obtained the rapid development,The size of the loan to realize the double.

　　银监会副主席蔡锷生于近日在天津消费金融论坛上表示，消费金融公司可持续发展的业务和盈利模式还需要进一步探索及建立，在充分挖掘客户需求、开发区别于银行的特色优势产品、提升服务水平等方面还有较长的路要走。

The CBRC CaiE vice President, was born in recently in tianjin consumer banking BBS on Wednesday,Consumer financial company for the sustainable development of the business and profit model also need to further explore and establish,In the full mining the customer demand/The development from the bank's special advantage products/Enhance service level and a long way to go.

　　虽然试点公司寄望放开跨区域经营，但是就目前试点的运营情况来看，监管层人士亦暗示，不会马上改变对消费金融领域的监管政策。

Although the pilot companies doing business across regions hope let go,But the pilot operation situation,Supervision layer personage also suggested,Won't change on consumption financial sector supervision policy.

　　“要进一步开放区域、多批准机构，至少有比较好的成熟的经验作为参考。”银监会非银司副司长张电中表示。

"To further open area/Approved institutions more than,At least better mature experience as reference."The CBRC not silver department deputy director general zhang said in electricity.

　　北京银监局副局长逯剑表示“试点的示范作用还期待进一步突破，在监管机构理解中，不一定看规模做的多大，而是更希望发挥市场示范作用和引领作用，做一些金融方面的创新。”

Beijing silver inspect bureau deputy director LuJian said"Pilot demonstration role is looking forward to further breakthrough,Regulators in understanding,Not necessarily see scale do much,But more hope exertive market demonstration role and leading role,Do some financial aspects of innovation."

　两年规模翻番 Two years double scale

　　消费金融公司的设立，旨在加大金融对扩大内需、促进消费的支持力度，促进我国经济从投资主导型向消费主导型转变。2009年，银监会发布《消费金融试点管理办法》，正式启动了消费金融公司试点审批程序。2010年年初，北银消费金融有限公司（下称北银消费）、中银消费金融有限公司（下称中银消费）和四川锦程消费金融有限公司（下称四川锦程）获得首批筹备资格，发起人分别为中国银行(601988,股吧)、北京银行(601169,股吧)和成都银行，并分别在上海、北京和成都三地率先试点，2010年底，捷信消费金融有限公司在天津开业，成为中国首家及唯一一家外商独资的消费金融公司。

Consumer financial company's establishment,Aims to increase financial to expand domestic demand/Promote consumption support,To promote China's economic from investment leading to consumption leading change.In 2009,,The CBRC issued[Consumer banking pilot management measures],Officially launched consumer financial company pilot examination and approval procedures.In early 2010,North silver consumer finance co., LTD(The said north silver consumption)/Boc consumer finance co., LTD(Next says boc consumption)And on the sichuan consumer finance co., LTD("On the sichuan)Get the first preparation for qualification,The bank of China, respectively(601988,guba)/Beijing bank(601169,guba)And chengdu bank,And respectively in Shanghai/Beijing and chengdu first three pilot,By the end of 2010,The jie letter consumer finance co., LTD in tianjin opening,Become China's first and only a solely owned by foreign funds of the consumer financial company.

　　经过两年多的耕耘，消费金融公司的业务规模增长加快。银监会数据显示，今年，四家消费金融公司的资产规模达到40.16亿元，同比增加126.82%，贷款余额37.09亿元，同比增加197.98%。不良贷款率为0.56%，服务客户超过19万人。

After more than two years of cultivation,Consumer banking business scale growth speeded up.The CBRC data display,This year,Four consumer financial company assets reached 4.016 billion yuan,Increased by 126.82% year-on-year,Loan balance is 3.709 billion yuan,Increased by 197.98% year-on-year.Bad loans is 0.56%,Serve customers more than 190000 people.

　　同时，三家消费金融公司的盈利情况亦超出了市场预期。截至目前，三家银行系消费金融公司都已经在今年实现了盈利，其中北银消费的盈利已经超过了一千万。而据一位捷信内部人士透露，捷信最快也将于今年年底实现盈利。

At the same time,Three consumer financial company's earnings also beyond the market expectations.So far,Three Banks system consumer financial company have realize the profit this year,The north silver consumption of earnings has exceeded ten million.And according to a the jie letter insiders revealed,The jie letter fastest in the end of this year will also realize the profit.

　　此外，未来消费金融市场的潜力依然可期。北京市银监局副局长逯剑表示，现在平均每天银行卡消费刷卡是15亿元，这其中消费金融的占比还很低。据捷信提供的一份资料显示，现在中国大陆消费金融仅占消费贷款市场总额的4%，远低于香港的10%。预计在2010—2015年，消费金融将保持平均45%的年增长率，在所有消费类贷款中增长最快。

In addition,The future consumption financial market potential still can period.Beijing silver inspect bureau deputy director LuJian said,Now on an average day bank card consumption credit card is 1.5 billion yuan,The consumer banking occupy ratio is still very low.According to the jie letter provides a data shows,Now China consumer banking accounted for only 4% of the total consumption loan market,Far below 10% of Hong Kong.Is expected in 2010-2015,Consumer banking will keep average annual rate of 45%,In all consumer loans fastest growth.

　　面对巨大的市场潜力，四家试点公司亦表示会持续增加投入。捷信中国CEO迈克·史国奇表示，其股东愿意再投入5亿美元用于中国的消费市场，而北银消费也正在与潜在的新股东密切洽谈中，其中西班牙桑坦德银行已成为最热门的候选。

In the face of the huge market potential,Four pilot companies also said will continue to increase investment.The jie letter China CEO mike ShiGuoJi said,Their shareholders want to spend 500 million dollars for China's consumer market,And north silver consumption is also and potential new shareholders close in the coming negotiation,The Spanish santander bank has become the most popular candidate.

　　而众多未获得牌照的金融机构也都在以各种方式曲线进入消费金融领域。日本永旺集团去年和今年分别在沈阳和天津开始了小额贷款公司，将消费贷款作为主打产品，并实现了跨区域经营。

And many have not obtained the license plate of the financial institutions are in a variety of ways curve into the consumer finance field.Japan aeon group last year and this year in shenyang and tianjin respectively started small loan companies,Will consumer loans as the main products,And realizes trans-regional operation.

　　不过，行业潜力的释放显然还有待提高。国家发改委经济所研究员陈新年表示，现在中国消费需求还不是很旺盛，一线城市的消费金融只占10%~15%，且集中在住房贷款。而消费金融要实现盈利，必须要做大规模。迈克·史国奇也认为，消费金融的本质决定了高度集中化和批量规模化的经营特点，只有当消费金融公司的覆盖范围能匹配大型零售商的网点，两者的合作才是有意义的，也才能真正促进零售商的收入；如果只允许消费金融公司在谋制定区域运营，风险状况会随着时间的推移而恶化，因为潜在客户数量会减少。

but,The release of potential industry needs to be improved obviously.The national development and reform commission economy ChenXinNian researchers said,Now China's consumer demand is not very strong,A line urban consumption financial accounts for only of 10% ~ 15%,And focus on the housing loan.And consumer banking to achieve profitability,Must want to do large scale.Mike ShiGuoJi also think,The essence of consumer finance determines the highly centralized and batch scale business characteristics,Only when the consumer financial company's coverage can match large retailers node,The cooperation is meaningful,Also can really promote the retailer's income;If only allow consumer financial company in seeks the formulating regional operation,Risk condition will be with the passage of time and deterioration,Because the number of potential customers will reduce.

　　另一方面，资金成本和较大的前期投入，使得消费金融产品的贷款利率依然难以下降。据本报了解，现在北银消费的平均利率在11%左右，中银也在10%~14%，而捷信的利率则要达到24%以上。三家银行系金融公司的融资方式都是从银行借款，相对成本较高。而捷信则通过与外贸信托、国开行等合作开发消费贷款信托进行融资，资金成本更高。中银消费总经理卢伟表示，消费金融公司都强烈希望能进入银行间同业拆借市场和银行间发债市场，能够筹到更低成本的资金。

On the other hand,Capital cost and large upfront input,Make consumer financial products loan interest rate is still difficult to decline.According to our understanding,Now north silver consumption average interest rate at 11%,Boc also in 10% ~ 14%,And the jie letter interest rates will reach more than 24%.Three Banks system financial company's financing from the bank loan,Relative cost is higher.The letter is through foreign trade and trust/Countries such as operation cooperation development consumer loans trust for financing,Fund cost higher.General manager of boc consumption LuWei said,Consumer finance companies are strong hope can enter the interbank lending market and bank FaZhai between market,To raise to a lower cost of capital.

　　模式有待探索 Mode to explore

　　不过，在监管层看来，四家试点公司的业务发展离其试点之初的设想仍有一定的距离。银监会副主席蔡锷生指出：“目前有的公司还存在着商业银行经营零售业务的思路，片面追求业务规模，还存在如单笔贷款大额化、产品类银行化和欠特色化的问题。功能定位、风险管控与业务发展之间的平衡关系还把握得不是太好。”《消费金融试点管理办法》规定，消费金融公司是不吸收公众存款，以小额、分散为原则，为中国境内居民个人提供以消费为目的的贷款。北银消费副总经理袁耀璋透露，目前，北银消费的户均贷款额达到5万元。而另一位银行系消费金融公司负责人表示，目前银行系消费金融公司的户均贷款额基本都达到了几万元。

but,In the supervision layer looks,Four pilot company's business development at the beginning of the pilot from its idea there is still a certain distance.Vice chairman of banking regulatory commission (CBRC) CaiESheng pointed out:"At present some companies still exist commercial Banks to deal in the retail business of ideas,The one-sided pursuit of business scale,Still exist such as single loan big change/Product class bank is changed and owe characterization problem.Function orientation/Risk control and the balance between business development relationship is to grasp is not too good."[Consumer banking pilot management measures]provisions,Consumer financial company is not absorbing public savings,With small/Dispersion for the principle,For China's domestic resident individuals to provide for the purpose of consumption loans.North silver consumption deputy general manager YuanYaoZhang revealed,At present,North silver consumption loan specified amount worth 50000 yuan.And the other a bank system consumer financial company officials said,Currently, the bank system consumer financial company's worth basic loan specified amount reached tens of thousands of yuan.

　　依托卡片的现金类贷款成为金融消费公司主要的贷款形式。如北银消费推出的MINI循环贷、中银消费的新易贷和四川锦城的轻松贷等，都通过向申请者发放可随时提取现金的卡片，授信额度从几万到几十万不等，利息稍低于信用卡。银监会数据显示，在37亿的贷款余额中，个人耐用消费品贷款仅为2.28亿元，占比6.15%，一般用途消费贷款34.81亿元，占比达到93.85%。其中，一般用途的消费贷款都是以现金贷款的方式发放。而这些客户群则可以和银行本身所拥有的资源结合，借助银行平台迅速发展，如用于装修的贷款中，就可以利用银行支行本身的房贷客户资源进行开拓。

Relying on the card cash class loan into financial consumption of the company mainly in the form of a loan.Such as north silver consumption launch of the MINI cycle credit/Boc consumption new easy credit and chengdu have been struck sichuan easy credit, etc,To the applicant through issue may at any time extraction cash card,Line of credit from tens to hundreds of thousands of inequality,Interest slightly lower than the credit card.The CBRC data display,In 3.7 billion the outstanding balance of the loans,Personal consumer durables loans only for 228 million yuan,Accounted for more than 6.15%,General use consumer loans 3.481 billion yuan,Reached 93.85%.the,General use consumer loans are cash loan way issue.And these customers can be and Banks themselves have combined resources,With the rapid development of bank platform,If used for decoration loans,Can use bank branch itself mortgage customers resources for development.

　　袁耀璋告诉本报，现金类贷款能够涵盖银行服务不到的人群的资金需求，公司会根据申请者的收入发放不超过5倍的授信额度。但是随着利率市场化进一步发展，银行的贷款规模会下降，消费金融的现金类贷款规模也会相应地缩小，所以发展耐用消费品贷款也是未来要重点拓展的业务。

YuanYaoZhang told this newspaper,Cash kind of loan to cover banking services less than the fund demand,The company will be based on the applicant's income issue no more than five times the line of credit.But as the interest rate marketization further development,The bank loan scale will decline,Consumer financial cash class loan size can also be reduced accordingly,So the development of consumer durables loans is to focus on the future development of the business.

　　捷信则主攻个人耐用消费品的贷款。截至目前，捷信的贷款余额是3.5亿元，在总余额中占比不到10%，平均每笔贷款额度在2300元左右。捷信的营销模式是结合零售商销售渠道进行POS贷款，所有的POS点都与中心IT系统连接。而这不仅意味着巨额的信息系统方面的投入，还意味着需要建立人数众多的营销团队和审批团队。据捷信内部人士表示，目前捷信在天津地区的团队就超过了4000人，全国范围则达到15000人。而银行系消费金融公司的团队规模远小于此，中银消费公司目前员工数也仅达到100多人。

The jie letter is main attack individual consumer durables loans.So far,The jie letter loan balance is 350 million yuan,In the total balance of accounts for less than 10% than,An average loan line is in 2300 yuan or so.The jie letter marketing mode is combined with retail sales channels of POS loans,All the POS points and in the center of IT system connection.This not only means that a huge information system input,It also means that need to build numerous marketing team and team for examination and approval.According to the jie letter insiders said,At present the jie letter in tianjin area team, more than 4000 people,The range is up to 15000 people.And the department of banking consumer financial company's team is far less than that of the scale,Boc consumption the company staff number also only reached more than 100 people.

　　卢伟向本报表示，未来的业务发展方向还是希望单笔金额小型化的方向发展。一是结合商户的商户专享贷，二是面对消费者直接的现金贷款。较为理想的户均贷款额在1万元左右。

LuWei to our newspaper said,The future of business development direction or hope single amount miniaturization direction.One is combined with their merchant enjoy only credit,The second is in the face of consumer direct cash loans.Ideal worth loan specified amount is in 10000 yuan or so.

　　逯剑指出，随着这两年消费结构的改变，无论是跨区域经营，还是通过网络辐射到更广泛的消费群体，都希望试点公司在目前监管的整体框架下有一定的尝试和突破，否则在目前的竞争压力下不足以使其取得足够的进展。

LuJian pointed out that,As the two years the change of consumption structure,Whether business across the region,Or through the network of radiation to the broader consumer groups,All hope to pilot the company in the present regulation under the framework of the whole has certain try and breakthrough,Otherwise in the present competition pressure is not enough to make it made enough progress.