根据2009年8月银监会发布的《消费金融公司试点管理办法》，北京、上海、天津和成都各设一家消费金融公司进行试点，旨在通过这种不吸收公众存款，以小额、分散为原则，为境内居民个人提供以消费为目的的贷款的非银行金融机构，推动消费，促进消费需求，增强消费对经济发展的拉动作用。

According to the August 2009 issued by the CBRC[Consumer financial company pilot management measures],Beijing/Shanghai/Tianjin and chengdu each set a consumer financial company for pilot,Through this kind of not to absorb public deposits,With small/Dispersion for the principle,For domestic resident individuals for the purpose of consumption of loan of non-bank financial institutions,Promote consumption,Promote consumer demand,Enhance the economic development of consumption to pull function.

　　然而，消费金融公司作为成立不到三年的非银行金融机构，如何建立适合中国市场的消费金融模式，如何成为一个扩大消费需求的有效机制，消费金融公司没有任何现成的经验可资借鉴。

however,Consumer financial company was founded as a less than three years of non-bank financial institutions,How to establish suitable for China market consumer banking model,How to become an effective mechanism for expanding consumer demand,Consumer financial company without any ready experiences to use as reference.

　　试点两年多来，消费金融公司总体运行平稳，在拉动消费上取得一些成绩，但是在探寻可持续发展的业务模式上还有待试点公司进一步深入探索。

Pilot for more than two years,Consumer financial company overall smooth operation,In the consumption achieved some achievements,But for the sustainable development of the business model remains to be further explore pilot company.

　　消费金融：

Consumer banking:

　　市场前景广阔

Wide prospect of market

　　从目前情况看，消费金融公司总体运行平稳，业务规模稳步增长，盈利水平逐步提高。数据显示，到2012年10月底，消费金融公司的资产总额达到40.16亿元，同比增加126.82%；贷款余额37.09亿元，同比增加197.98%；其中个人耐用消费品贷款是2.28亿元，占比6.15%；一般用处个人消费贷款34.8亿元，占比93.85%；行业不良贷款率是0.56%；贷款损失准备充足率达到了300%以上；拨备覆盖率超过200%。客户总数为19万多人，业务合作的经销商一千多家，累计审核通过21万多笔贷款申请，平均审核通过率近80%。

From the current situation to see,Consumer financial company overall smooth operation,Business scale steady growth,Gradually improve the profit level.Data display,By the end of October 2012,Consumer financial company's assets amounted to 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;The individual consumer durables loans is 228 million yuan,Accounted for more than 6.15%;General use personal consumption loans 3.48 billion yuan,Accounted for more than 93.85%;Industry bad loans is 0.56%;Loan loss to adequacy ratio reached 300%;A provision coverage of more than 200%.The customer for a total of more than 190000 people,Business cooperation, more than one thousand dealers,Accumulated audit through more than 210000 loan application,Average audit nearly 80% percent of pass.

　　虽然四家消费金融试点公司体量较小，但是消费金融公司满足了人们差异化消费信贷需求，在一定程度上促进了消费增长。“与传统商业银行差异化的"小额、分散、无担保"业务特点和极具个性化的产品服务体系相比，消费金融公司更好地满足了不同层次消费者的信贷需求。目前发展信用消费也成为经济发达地区扩大居民消费、促进经济增长的重要途径。”对于消费金融公司的积极作用，消费金融公司人士如是评价。

Although the four consumer banking pilot company small dimension,But consumer financial company satisfied people differentiation consumption credit demand,To a certain extent promote the consumption growth."And the traditional commercial bank of differentiation"small/dispersion/unsecured"Business characteristics and highly personalized products and services than system,Consumer financial company to better meet different levels of consumer credit demand.At present the development of consumer credit has become the economic developed areas to expand consumption/Promote economic growth is an important way."For consumer financial company's positive role,Consumer financial company people so evaluation.

　　记者从业内了解到，消费金融公司80%以上的客户是80年代和90年代出生的，消费金融贷款往往是他们人生的第一批贷款。消费金融产品便捷快速和亲民的服务流程，对现有银行贷款起到了很好的补充作用，而且随着我国经济和居民消费需求的持续增长，消费金融市场有很大的潜力。业内人士认为，首先，随着80后、90后逐渐成为消费主力，随着越来越多的零售商对消费金融的理解日益深入，消费金融的发展将不可阻挡；其次，互联网经济、电子商务支付等消费方式及消费制度的变革，也将成为消费金融业务发展的契机和平台。此外，当前经济发展方式转变的大环境也给消费金融的发展创造了难得的发展机会，以北京地区为例，储蓄存款10月份大概2.5万亿元，如果按照1%的比例与消费金融挂钩，市场规模就是250亿元，因此，消费金融市场前景广阔、机遇很多。

Reporters learned from inside,Consumer finance companies more than 80% of the customer is in the 80 s and 90 s was born,Consumer finance loans is often the first batch of loans in their lives.Consumer financial products and convenient fast and PFP service process,The existing bank loans play a very good supplementary function,And along with our country economy and the continuous growth of the consumer demand,Consumer banking market has great potential.The personage inside course of study thinks,First of all,With 80/After 90 has gradually become the main consumption,With more and more retailers to consumer banking understanding more deeply,Consumer banking development will be unstoppable;secondly,The Internet economy/Electronic business pay wait for pattern of consumption and consumption institutional change,Will also be consumer banking business development opportunity and platform.In addition,The current economic development mode change environment for consumer banking development created a rare development opportunities,In Beijing area as an example,Savings in October, about 2.5 trillion yuan,If according to 1% of the proportion and consumer banking hook,Market size is 25 billion yuan,so,Consumer banking wide prospect of market/Opportunity many.

　　京津试点：

The pilot:

　　特色产品“贷”动消费

Specialty products"credit"Dynamic consumption

　　近年来，四家消费金融试点公司在公司治理、风险管理、客户培育、产品开发等方面逐步积累了经验，不断探索适合中国市场的业务模式。

In recent years,Four consumer banking pilot companies in corporate governance/Risk management/Customer cultivation/Product development gradually accumulated experience,Continuously explore suitable for China market business model.

　　作为全国第一家从事消费金融服务的专业公司，北银消费金融公司是北京银行(601169,股吧)全资的消费金融公司。北京银行行长严晓燕介绍说，北银消费金融公司自成立之初就担当起了“促消费、创和谐、惠民生”的社会责任，把促进耐用品消费、满足低收入家庭学生技能培训愿望和改善农村地区金融服务环境作为业务发展的重点。与此同时，北银消费金融公司在推动和促进北京银行整体业务转型当中也发挥了积极作用。

As the first engaged in consumer banking service specialized company,North silver consumer financial company is Beijing bank(601169,guba)Wholly-owned consumer finance company.Beijing bank President YanXiaoYan said,North silver consumer financial company since the establishment of the beginning of the bear up"Promote consumption/Create the harmonious/Born we"Social responsibility,To promote the consumption of durable goods/Meet the low-income students' skill training wishes and improve rural financial service environment as the focus of the business development.meanwhile,North silver consumer financial company in developing and promoting Beijing bank of overall business transformation also play a positive role.

　　同样作为中国首批四家消费金融试点企业之一的捷信消费金融有限公司是目前唯一一家持消费金融牌照的全外资消费金融公司。捷信消费金融的业务模式主要是通过与当地零售商建立战略合作关系，为客户提供店内消费贷款服务。这种“店内个人消费贷款”模式不同于传统银行的信贷业务，捷信金融消费是在各零售商店内直接向有稳定收入的顾客提供小额贷款，其服务主要满足目前银行业务无法惠及的中低收入客户，为他们提供用来购买生活耐用品的资金，改善了他们的生活质量。截至目前，捷信已拥有员工数量近7000人，合作零售商达10500家，零售网点16500个。在开展消费信贷业务的同时，捷信为这些小客户建立起信用记录，培养了这部分人群的信用意识，提升了他们的消费能力。

The same as China's first four consumer banking pilot enterprise one of the jie letter consumer banking co., LTD. Is currently the only one the consumer banking licence of all foreign consumer financial company.The jie letter consumer banking business model mainly through and local retailers to establish a strategic cooperative relations,To provide the consumer loan service.this"The personal consumption loans"Different from the traditional model of bank credit business,The jie letter financial consumption is in the store retailers directly to have a stable income customers with small loans,Its main services meet the current banking cannot benefit in low-income clients,To offer them to buy life durable capital,Improved their quality of life.So far,The jie letter has staff of nearly 7000 people,Cooperation retailers amounted to 10500,Retail outlets 16500.In developing consumer credit business at the same time,The jie letter for these small customers establish credit record,Cultivate the part of the crowd consciousness of credit,Improve their spending power.

　　与捷信“广撒网”模式略有不同，在严晓燕看来，北银消费金融公司在北京具有三大优势，区域优势、客户优势及市场优势。据了解，北京商品销售额去年达6000多亿元，增速在10%以上，市场潜力巨大，为北京消费金融发展提供了较大空间。

And the jie letter"Casting a wide"Slightly different mode,In YanXiaoYan seems,North silver consumer financial company in Beijing has three advantages,Regional advantages/Customer advantages and market advantages.It is understood,Beijing commodity sales more than 6000 yuan last year,Growth in more than 10%,Market potential is tremendous,For Beijing consumer banking development provides a larger space.

　　而且经过两年多的发展，北银消费金融公司团队总结出了“做大规模、做强系统、做实风控”的发展方向。严晓燕表示，北银发挥“小、快、灵”业务模式的优势，坚持三大定位：一是市场定位，把国家扩大内需战略作为业务创新的突破点，更好地履行扩大内需的社会责任；二是客户定位，按照为城市中低收入群体和农村地区百姓服务的发展目标，逐步形成与传统商业银行差异化的消费金融服务模式；三是产品与服务定位，充分发挥“无担保、无抵押”的业务特点，为商业银行难以惠及的群体提供金融服务，更好地提升百姓生活品质。

And after more than two years of development,North silver consumer financial company team summarized"major/Stronger system/Do real wind control"The development direction of the.YanXiaoYan said,North silver play"small/fast/spirit"The advantage of business model,Adhere to the three positioning:One is the market positioning,The country to expand domestic demand as a strategic business innovation breakthrough point,Better to expand domestic demand social responsibility;The second is the customer orientation,According to the city for low-income groups and rural areas people service development goals,Gradually formed and the traditional commercial bank differentiated consumer banking service mode;Three is the product and service orientation,Give full play to"unsecured/unsecured"Business characteristics,For commercial Banks to provide financial services to the community,To better improve the quality of life of the people.

　　据悉，北银消费金融公司业务种类主要包括助业贷、惠农贷、轻松贷、轻松付以及Mini循环消费贷等等一些非常有特色的产品。在耐用品贷款业务方面，北银以驻点销售和终端销售商代理等合作模式，与北京地区大中电器等各类零售商家合作，推出“北银轻松付”系列产品；在教育培训贷款业务方面，针对传统金融难以满足当前职业技能、社会培训机构学生信用贷款需求的实际情况，同教育培训机构合作，推出了无抵押、无担保的“北银助业贷”系列产品；在惠农贷款业务上，北银推出“北银惠农贷”系列产品，有效地缓解了农村地区“贷款难”、“担保难”问题。

It is reported,North silver consumer banking business types mainly include help industry credit/Benefiting credit/Easy credit/Easy to pay and Mini cycle consumption credit and so on some very distinctive products.In the durable goods loan business,North silver to stagnation sales and terminal vendors agent cooperation mode, etc,And Beijing area of all kinds of large and medium-sized electrical appliances retail merchants to cooperate,out"North silver easily pay"Series products;In the education training loan business,According to the traditional financial difficult to satisfy the current vocational skills/The social training institutions to students of the actual situation of credit loan demand,Cooperation with education training institutions,Launched unsecured/unsecured"North silver help industry credit"Series products;In benefiting the loan business,North silver out of"North silver benefiting credit"Series products,Alleviates the rural areas"Loans difficult"/"Guarantee difficult"problems.

　　捷信中国总裁史国奇先生（Michal Skocil）表示，捷信会积极响应中国政府“发展消费信贷，支持扩大内需”的号召，不断丰富产品类别，加大对乡镇地区的渗透力度，让更多的中国消费者体验到多元化的便利金融服务。

The jie letter China President Mr. ShiGuoJi(Michal Skocil)said,The jie letter will be positive response of the Chinese government"Development of consumer credit,Support to expand domestic demand"'s call for,Enrich product category,To increase the penetration of the villages and towns in strength,Let more Chinese consumers to experience the convenience of diversified financial services.

　　可持续模式：

Sustainable mode:

　　有待进一步创新探索

Further innovation

　　作为一个新兴的非银行金融机构，消费金融试点发展过程中，有一些问题仍有待探讨和解决。对内而言，试点公司在公司治理、内控建设和全面风险管理方面还有待进一步提高；外部环境看，市场认知度不高，金融消费者培育还有较长的路要走。

As a new non-bank financial institutions,In the process of the development of consumer financial pilot,There are some problems still need to be discussed and solved.For internal,Pilot companies in corporate governance/Internal control construction and comprehensive risk management remains to be further improve;External environment see,Market awareness is not high,Financial consumers cultivation and a long way to go.

　　严晓燕认为，目前美国、日本和欧洲等发达国家和地区的消费信贷占国民生产总值的比重普遍在12%至17%之间，而我国仅为3%，消费信贷对消费结构升级的贡献度仍旧偏小。这主要是由于国内消费金融的发展更多的是从放松信贷条件约束的角度来刺激消费，而不是通过消费金融产品和服务创新来激发消费者的消费潜能，消费者的潜在消费需求没能得到有效释放；同时国内多数消费金融公司还存在较浓的商业银行零售业务经营特点，在产品特色化和经营差异化方面亟待提升，业务规模较小，可持续发展的业务和盈利模式还处于进一步探索的发展阶段。

YanXiaoYan think,The United States currently has a/Japan and Europe and other developed countries and areas of consumer credit accounted for the proportion of GDP in common between 12% and 17%,And our country is only 3%,Consumer credit on consumption structure upgrade still partial small contribution.This is mainly due to the domestic consumption financial development more easy credit conditions from the Angle of constraints to stimulate consumption,Rather than through the consumer financial products and service innovation to stimulate consumer spending potential,Consumer potential consumer demand can't effectively release;At the same time, the domestic most consumer financial company also is strong commercial bank retail business characteristics,In the product characteristic and operation in differentiation to ascend,Business smaller,The sustainable development of the business and profit model is still in the further exploration stage of development.

　　与此同时，我们也应该看到，我国消费市场规模虽然非常巨大，但是竞争压力非常大。据北京银监局负责人介绍，10月份银行卡消费450亿元，平均每天银行卡刷卡消费15亿元，其中消费金融所占的份额很小。消费金融公司发展取得了进步，但是试点的示范作用仍需突破。其次，消费金融公司主要客户是中低收入人群，但这部分人群相当一部分是在二、三线和四线城市。四家试点消费金融公司却集中在发达地区和消费型城市，如何发挥试点引领作用，必须想些办法，从而使试点效果得到彰显。此外，消费金融公司还应该定位各自的发展目标，结合本地和本区的一些实际情况，做到差异化发展。

meanwhile,We should also see,Our country consumer market scale although very great,But the pressure of competition is very big.According to Beijing silver inspect bureau chief introduction,Bank card consumption in October 45 billion yuan,On an average day bank card credit card spending 1.5 billion yuan,The consumer banking proportion is very small.Consumer financial company development progress,But the pilot demonstration effect still need to break through.secondly,Consumer financial company customers are mainly in low-income people,But this part of the crowd quite part is in two/Three line and four line city.Four pilot consumer financial company is concentrated in the developed areas and urban consumers,How to give full play to the guiding function to the pilot,Must find some way to,So that pilot effect get reveal.In addition,Consumer financial company should also positioning their development goals,Combined with some of the local and the actual situation,Do different development.

　　按照扩大内需和整个市场未来发展的要求，支持消费金融公司健康发展，监管部门要鼓励消费金融公司探索适合中国市场的商业模式，在风险可控、合规审慎的基础上支持行业创新发展，同时多角度了解国外成熟市场的运行情况，针对行业发展中遇到的问题集思广益，深入研究。

According to expand domestic demand and the requirements of the development of the market in the future,Support the healthy development of consumer finance company,Supervision departments should encourage consumer financial company to explore the Chinese market business model,The risks are controllable/Compliance prudent basis support industry innovation and development,At the same time everyone understand foreign mature market operation,According to industry problems in process of development which the two heads are better than one,In-depth study.