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近年来,消费金融发展迅速。其中,互联网消费金融最为突出。根据艾瑞咨询最新发布的《2017消费金融洞察报告》,短短4年,我国互联网消费金融的交易规模从60亿元猛增到4367.1亿元。2013—2016年,互联网消费金融交易规模实现了70倍爆发式增长,未来万亿元级别的市场有待开启。本刊记者从日前举办的“Fintech时代的消费金融创新发展峰会”上获悉,消费金融在一定程度上可以促进消费,进而对于优化经济结构、提高宏观金融政策传导效力、推动传统金融机构转型都有重要意义。
In recent years, consumer finance has developed rapidly. Among them, the Internet consumer finance the most prominent. According to iResearch latest release of the “2017 consumer financial insight report”, just 4 years, China’s Internet consumer finance transaction size soared from 6 billion yuan to 436.71 billion yuan. 2013-2016, the scale of Internet consumer financial transactions achieved 70 times the explosive growth, the future level of trillion market needs to be opened. Our reporter learned from the “Fintech Era of Consumer Finance Innovation and Development Summit” held recently that consumer finance can promote consumption to a certain extent. In order to optimize the economic structure, enhance the effectiveness of macro-financial policies and promote the transformation of traditional financial institutions All have important meaning.