⊙记者 徐维强 ○编辑 张亦文

Even though journalists Xu Weijiang editor zhang yiwen

　　作为国内新兴的消费金融公司，开闸至今已有3年，短短时间内获得发展迅猛，首批成立的4家公司中已有北京的北银、天津的捷信率先实现盈利，网店数量和客户量也都爆发式增长，成为继银行和小额贷之外贷款领域的又一大力量。经过三年发展，新一批扩容在即，目前各地都在积极申请，争取“获牌”。

As the domestic emerging consumer finance companies,Opened has been 3 years,Developing rapidly within a short span of time,Founded the first four companies already in the north bank of Beijing/Tianjin jie letter first to profit,Online store number and customer quantity of explosive growth,Became the Banks and small credit loan in the field of another big power.After three years development,A new wave of expansion,Now everywhere in active application,for"licensed".

　　2009年，银监会公布《消费金融公司试点管理办法》，率先在北京、上海、成都、天津四个城市进行消费金融公司试点，每个城市设立一家消费金融公司。2010年3月，首家消费金融公司北银消费金融公司在北京挂牌，随后四川锦城消费金融有限公司、中银消费金融有限公司以及捷信消费金融有限公司也陆续成立。根据业内规律，消费金融公司一般在3至5年内实现盈利，去年6月北银消费金融宣布已经率先实现盈利。而到去年年底，另一家消费金融公司捷信也实现盈利。

In 2009,,The China banking regulatory commission published[Consumer finance company pilot management measures],Take the lead in Beijing/Shanghai/chengdu/Tianjin four pilot cities for consumer finance companies,Each city to set up a consumer finance company.In March 2010,The first consumer finance companies north silver consumer financial companies listed in Beijing,Then consumer finance co., LTD. Chengdu in sichuan province/Boc consumer finance co., LTD., as well as home credit consumer finance co., LTD., also established.According to the laws of the industry,Consumer finance companies profit in commonly 3 to 5 years,North silver consumer finance announced last June already take the lead to achieve the profit.And by the end of last year,Another consumer finance company home credit is profitable.

　　据捷信消费金融董事米兰·托马内克介绍，作为中国唯一的全外资消费金融公司，目前捷信的分销点数量已经达到17800个，在全国60个城市开展业务，客户数量达到295万人。其中在广东地区已经覆盖所有城市，合作商户达7710家，销售业务量为11.2亿元。

According to home credit consumer finance director milan toma) is introduced,As China's only fully foreign consumer finance company,At present the distribution of home credit number has reached 17800,In 60 cities in China to do business,Customer number to 2.95 million.Which has been covering all cities in guangdong area,Merchants amounted to 7710,Sales volume of 1.12 billion yuan.

　　目前捷信仅在天津地区可以直接提供贷款服务，而在全国其他地区则采取担保模式，捷信为客户提供担保，然后合作的进出口银行等机构为客户发放贷款。而在快速发展中，消费金融的风控至关重要，对此，托马内克表示，捷信面向中低消费群体，平均额度只有2500元，期限仅为3个月，而且新旧交替很快，因此即使部分出现问题，也不会影响整体的偿还。据了解，目前捷信的不良率控制在4%以内。

At present home credit only can directly provide loan services in tianjin area,While in the rest of the country to guarantee mode,Home credit guarantee for the customer,And cooperation of the import and export institutions such as bank loans to the customers.In the rapid development,Consumer finance wind control is very important,this,Toma jelinek said,Home credit for low and middle consumer groups,Only an average of 2500 yuan,Period is only 3 months,Quickly and new era,So even if some problems,Will not affect the overall.We have learned,At present home credit control within 4% defective rate.

　　根据银监会统计，截至去年10月，4家消费金融公司总资产突破40亿，贷款余额共计37.09亿元。消费金融试点三年，在刺激居民消费尤其是部分中低收入群体的购买力方面发挥了一定作用，并积累了一定经验。目前，消费金融公司新一轮扩容在即，各地申请的热情大增。业内人士透露，从目前的情况来看重庆的希望较大。此外，去年广东省政府召开各地市落实中央惠港政策会议时提出，广东将允许香港金融机构在粤设立消费金融公司，广东有望加入消费金融业务的阵营。

According to the China banking regulatory commission,As of last October,Four consumer finance company's total assets exceed 4 billion,Loan balance of 3.709 billion yuan.Consumer finance pilot for three years,In stimulating consumption, especially the part of the purchasing power of low-income groups in play a role,And accumulated certain experience.At present,A new round of expansion of consumer finance company,Around the enthusiasm of the application.Industry insiders,From the current situation in chongqing, the hope is bigger.In addition,Last year, the government of guangdong province to carry out the central hui Hong Kong around the city policy meeting put forward,Guangdong will allow Hong Kong financial institutions set up consumer finance companies in guangdong,Guangdong is expected to join the consumer finance business.