由于审批政策变更,企业集团新申请设立的财务公司越来越多。财务公司资金集中的目的并不仅是为了通过同业拆放而获取1-2%的同业超额利息收入,而更重要的是将集中来的资金用于发放贷款,以财务公司贷款替代成员单位在商业银行的贷款,从而降低整个集团的财务费用。本文通过讨论财务公司信贷业务经营中遇到的困难,探讨财务公司信贷业务的发展方向。 Due to the change of approval policy, more and more financial companies are newly set up by enterprise groups. The purpose of financial company’s concentration of funds is not only to obtain 1-2% of the inter-bank excess interest income through inter-bank lending, but more importantly, to concentrate the funds for loan issuance, to replace the loan of financial company member units in commercial Bank loans, thereby reducing the financial costs of the entire group. This article discusses the development direction of the finance company’s credit business by discussing the difficulties encountered in the operation of the credit business of the finance company.