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<scriptlanguage="javascript"src="/system/resource/js/dynclicks.js"></script><scriptlanguage="javascript"src="/system/resource/js/news/newscontent.js"></script><scripttype="text/javascript">NewsvoteDWR.getNewsLinkUrl(32400,'820507864','vsb',newsSkip);functionnewsSkip(data){if(data!=""){window.location.href=data;}}</script><LINKhref="/system/resource/style/component/news/content/format2.css"type="text/css"rel="stylesheet"><scriptlanguage="javascript"src="/system/resource/js/ajax.js"></script><formname="_newscontent_fromname"> <divid="nr_biaoti"> 发展消һһ鴹金融公司步伐可再大一? </div> <divclass="nr_art"> 【作者】余丰y  【来源】中国青年报 【期?015/06/1517:03  【点击р[<script>_showDynClicks("wbnews",820507864,32400)</script>] </div> <DIVid="nr_neirong"id="vsb_content"> <divclass="v_news_content"> <P>国务院常务会议决定,放开I市场准入,将原在16个城市开展的消费金融公司试点扩大至全国。审批权赲ס下放到省红٧部门,鼓励符合条件的民间资本、国内外银行业机Ȼûץ构和互联网企业发起设立消费金融公司,成熟一家、批ʲôط准一家。(中国政府??1日)</P> <P>消费金融公司是指不吸收公众存款,以小额、分散为原则,为中国境内居民个人揿˵供以消费为目的的贷款的非ӓ行金融机构,包括个人耐用消费品̴款及一般用DZ途个人消费贷款等?/P> <P>相比商业银行等其仨金融机构,它在提供消费金融融资服务上更专业、更有效、ȻͨȽϷ灵活、更具针对性。特别是在融赨w的便利性、及时性上更加优越和快捷,非常适应消费者ʵҲе㵣ij̶˧ښ借贷行为。消费金融公司在西方国家特别是美国非常普叢ي和发达,对于促进消费增长、解消费者燃眉之急发挥了巨大作用。目前应对中国经济下行压力增大,应该在启动消费上做足文ǫ,大力发展消费金融特别是涽费金融公司,可以更˻ǵزԱ发挥消费对经济增长的拉动作用?/P> <P>中国内地消K金融公司?009年开始动议试点,2010年初分别在上海、北京和成都批准成立三家公司进行试点?013?月ƻ将试点扩大到16个城市。然而,?010年到2015?月底?年时间,消费金ʱѾǽӽʮ㞍公司仅仅成立7家:北银、捷信、中银、锦程、海尔以及今年刚刚成立的湖北和苏宁消费金融公司。消费金融һ߹Ņ司业务发展十分缓慢,在整个金融包括消费信贷中几乎可以־ֽֿ略不计。原因何在呢?/P> <P>从大的方面看,监管部门由于担忧风险,准入门槛上过高过严。比如:《消费金融公司试炡办法》规定的消费金融公司的主要出资ֺ,须为境内外金融机构或主营业务为提供适合涨费贷款业务产品的境内非金融企业,且最?年年末总资产不低于600亿元亡民币或等值的可自由兑换货币。仅仅这一条就把大多数民间资本拒之门K外了。再比如:消费金融公司的注册资ԭ最低限额为3亿元人民币或等值的可自由兑换货币。这个条件比设立商业铦行的门槛还高。《商业银行法》规定的设立城市商业银行的注冡资本最低顼额为1亿元人民币,设立农村ԼҲ商业银行的注册资本最低限额为5千万元人民币?/P> <P>由于门槛过高,不但民间资朳很难进入,而且,消费金融I务也很难开展。因此,发展消费ֻ֪θ金融公司的步伐不妨再大一些。除了将试点扩大至全国,审批权下放到省级部门外,最重要的是降低注册资本金,修改必须由金融机构出资桾股的规定,更好地向民间资本开放,ֻס使其成为民间资本进入金融领域的渠道之一?/P> <P>同时,应按照国务院常务会议要求,鼓励互联网企业发起设立消费金融公司,Ǭһ主要通过大数据风控,服务自己线上的消费者信贷需求?/P> <P>消费金融公司“审批速度快、无需抵押担保”,有效Ƈ高的优点,但同时也有信贷风险高v的隐患。因此要创新风控手段,顺应ٔ子商务发展趋势,顺应网商购物消费的特Ҫվ点,将大数据引入到消费信贷需求者的信用识别和挖掘上,主动获取贷款需求者的信用状况̲ɹůů,从而防范消费金融公司的贷款风险?/P> </div> </div> <divid="div_vote_id"></div> <divclass="nr_bianji">【责仡编辑】陈?/div> <div> <hr> <divclass="fanye"> <palign="right"> 上一条:<ahref="/8uy0j0/info/1015/32401.htm">救ǸŮȻҲע⵽ˊ留守儿童是不容推卸的责任</a> 下一条:<ahref="/8uy0j0/info/1015/32399.htm">竞拍车牌ѧУѧ手续费该不该收</a> </p> </div> <palign="right">?ahref="javascript:window.opener=null;window.open('','_self');window.close();">关闭</a>?/p> </div> </form> <script> 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用户?nbsp;<inputtype="text"size="8"maxlength="20"id="respwbaccount"name="respwbaccount"style="background-color:#FFFFFF;border:1pxsolid#BAD3E6;"/> 密码 <inputtype="password"size="8"maxlength="20"id="respwbpassword"name="respwbpassword"style="background-color:#FFFFFF;border:1pxsolid#BAD3E6;"/> </span> <inputid="respcheck"name="respcheck"type="checkbox"value="0"checkedonclick="ischeckjs1017js();"/><spanstyle="font-size:9pt"> ǧҶ⻰ٿ名发布</span> <spanstyle="font-size:9pt">验证?/span><inputid="resprand"name="resprand"type="text"size="4"maxlength="4"autocomplete="off"style="background-color:#FFFFFF;border:1pxsolid#BAD3E6;"> <imgid="resprandimage"border="0"src="/system/resource/js/message/createimage.jsp"align="absmiddle"> <spanonclick="changeimagejs1017js()"style="font-size:9pt;cursor:pointer">看不清楚,换张图片</span> <inputtype="button"value="发布"onclick="submitrespjs1017js();"> </td> </tr> <tr> <tdcolspan="2"height="25"style="background-color:#ffffff;font-size:9pt;padding-left:10px"> ?spanid="resptotid">0</span>条评?nbsp;  ?spanid="resptotpage">1</span>?nbsp;  当前?spanid="slidercontent">1</span>? </td> </tr> <tr> <tdcolspan="2"style="background-color:#ffffff;font-size:9pt"> <divid="respslider"style="height:20px;"> </td> </tr> <tr> <tdcolspan="2"style="background-color:#ffffff;font-size:9pt"> <divid="respcontent"></div> </td> </tr> </table> <style> .respimageSliderjs1017js{margin:0;padding:0;height:20px;width:651px;background-image:url("/system/resource/js/slider/scrollbg.gif");} .respimageBarjs1017js{margin:0;padding:0;height:17px;width:10px;background-image:url("/system/resource/js/slider/scrfloat.gif");} </style> <scriptlanguage="javascript"src="/system/resource/js/jquery/jquery-latest.min.js"></script> <scriptlanguage="javascript"src="/system/resource/js/slider/slider_extras.js"></script> <scriptlanguage="javascript"src="/system/resource/js/base64.js"></script> <scriptlanguage="javascript"src="/system/resource/js/md5.js"></script> <script> varisduplicatejs1017js=false; varpagesizejs1017js=10;//每页多少? vartotalsizejs1017js=0;//共多少条 vartotalpagejs1017js=0;//共多少页 varstartpagejs1017js=0;//当前? varpagejs1017js=startpagejs1017js+1;//显示的页? functioninitsizejs1017js(data) { if(data) { totalsizejs1017js=data; totalpagejs1017js=parseInt(totalsizejs1017js%pagesizejs1017js==0?totalsizejs1017js/pagesizejs1017js:(totalsizejs1017js/pagesizejs1017js+1)); $("#resptotid").empty(); $("#respmessage").empty(); $("#resptotid").append(data); $("#resptotpage").append(totalpagejs1017js); showpagejs1017js(startpagejs1017js);//初始化新闻评计? } } functioninittotalsizejs1017js() { NewsRespUtil.getTotalpage("820507864","32400","wbnews",initsizejs1017js); } //显示评论列表主方? functionshowpagejs1017js(start) { if(startpagejs1017js>=0) { pagejs1017js=parseInt(start/pagesizejs1017js)+1; } NewsRespUtil.getResp("820507864","32400",start,pagesizejs1017js,"wbnews",buildresultjs1017js); } //取消回复 functioncancelrespjs1017js() { $("#respmessage").empty(); $("#respsoru").val("0"); $("#respid").val(""); } //回复 functionrepjs1017js(id,top) { $("#respmessage").empty(); $("#respmessage").append("<spanstyle='color:#ff8000;font-size:10pt;height:30px;padding-top:expression(15);padding-bottom:expression(15);'>回复["+top+"]楼的评论    <ahref='javascript:'onclick='cancelrespjs1017js()'>取消</a></span>"); $("#respsoru").val("1"); $("#respid").val(id); $("#respwbrespcontent").focus(); } //回复的处理结? functionrepresultjs1017js(data) { if(data=="0"||data=="-12") { $("#respwbaccount").val(""); $("#respwbpassword").val(""); $("#respwbrespcontent").val(""); $("#resprand").val(""); $("#contentsize").text("0/1000"); $("#resprandimage").attr("src","/system/resource/js/message/createimage.jsp?randnum="+Math.random()); //$("respmessage").innerHTML="<spanstyle='font-size:9pt;color:#ff8000;height:30px;padding-top:expression(15);padding-bottom:expression(15);'>回复评论成功</span>"; varisflag="0"; if(data=="-12") { alert("回复评论成功,您的內容中含װŭ有敏感字,请等待后叨|审?); }else { if(isflag=="1") { alert("回复评论成功"); }else { alert("回复评论成功,请硻待后台审?); } } NewsRespUtil.getTotalpage("820507864","32400","wbnews",reloadjs1017js); }else { buildResultStrjs1017js(data); } } //创建评论表格滚动ϸϸ? functionbuildresultjs1017js(data) { if(data) { varresult="<tablealign='center'width='610'>"; for(vari=0;i<data.length;i++) { result+="<tr>"; result+="<tdstyle='background-color:#ffffff;font-size:9pt'>"; result+="<fontcolor=#326FA8>"+data[i].wbaccount+"["+data[i].wbip+"]"+"</font>"; result+=""+data[i].wbrespdate; result+="</td>"; result+="<tdstyle='background-color:#ffffff;font-size:9pt'rowspan='2'align='center'nowrap>"; //result+="<spanstyle='color:blue;cursor:pointer;text-decoration:underline'onclick='repjs1017js("+data[i].wbrespid+","+data[i].wbtop+")'>[回复]</span>"; result+="<divstyle='font-size:20pt;color:gray'>"+data[i].wbtop+"</div>"; result+="</td>"; result+="</tr>"; result+="<tr>"; result+="<tdstyle='background-color:#ffffff;font-size:9pt;word-break:break-all;'>"; result+=""+data[i].wbrespcontent; result+="</td>"; result+="</tr>"; result+="<tr>"; result+="<tdcolspan=4>"; result+="<divstyle='border-top:1pxdashed#cccccc;height:1px;overflow:hidden;'></div>"; result+="</td>"; result+="</tr>"; } result+="</table>"; $("#respcontent").empty(); $("#respcontent").append(result); $("#resptotpage").empty(); $("#resptotpage").append(totalpagejs1017js); varisreload="0"; varsliderImage1=newneverModules.modules.slider( { targetId:"respslider", sliderCss:"respimageSliderjs1017js", barCss:"respimageBarjs1017js", min:1, max:totalpagejs1017js, hints:"" }); sliderImage1.onstart=function() { isreload="1"; } sliderImage1.onchange=function() { $("#slidercontent").empty(); $("#slidercontent").append(sliderImage1.getValue()==0?1:sliderImage1.getValue()); }; sliderImage1.onend=function() { if(isreload=="1") { if(sliderImage1.getValue()!=pagejs1017js&&sliderImage1.getValue()!=0) { showpagejs1017js((parseInt(sliderImage1.getValue())-1)*pagesizejs1017js); $("#respmessage").empty(); } } } sliderImage1.donclick=function() { if(sliderImage1.getValue()!=pagejs1017js&&sliderImage1.getValue()!=0) { showpagejs1017js((parseInt(sliderImage1.getValue())-1)*pagesizejs1017js); $("#respmessage").empty(); } } sliderImage1.create(); sliderImage1.setValue(pagejs1017js); } else { $("#respcontent").empty(); $("#respcontent").append("<spanstyle='font-size:9pt;height:30px;padding-top:expression(15);padding-bottom:expression(15);'>该新闻还没有评论</span>"); } } //评论回复完成后,重新读取计算评论的表? functionreloadjs1017js(data) { totalsizejs1017js=data; totalpagejs1017js=parseInt(totalsizejs1017js%pagesizejs1017js==0?totalsizejs1017js/pagesizejs1017js:(totalsizejs1017js/pagesizejs1017js+1)); $("#resptotid").empty(); $("#resptotpage").empty(); $("#resptotid").append(totalsizejs1017js); $("#resptotpage").append(totalpagejs1017js); showpagejs1017js(0); cancelrespjs1017js(); } functionbuildResultStrjs1017js(data) { if(data=="-2") { alert("没有这个甡户ΰ֪˽ǸŮɱȥ用户被禁用"); } elseif(data=="-3") { alert("用户名或ذ֮密码错误"); } elseif(data=="-4") { alert("验ᯁ码错?); }elseif(data=="-9") { alert("请放置在新闻冨容?); } elseif(data=="-11") { alert("评论内容过长"); } else { alert("未知错误"); } } //添ơ评论后的处理方法 functionsavejs1017js(data) { if(data=="0"||data=="-12") { $("#respwbaccount").val(""); $("#respwbpassword").val(""); $("#respwbrespcontent").val(""); $("#resprand").val(""); $("#contentsize").empty(); $("#contentsize").append("0/1000"); $("#resprandimage").attr("src","/system/resource/js/message/createimage.jsp?randnum="+Math.random()); varisflag="0"; if(data=="-12") { alert("回复评论成功,您的內容中含有敏感字,请等待娍台审?); } else { if(isflag=="1") { alert("添加评论成功"); }else { alert("评论添加成功,ӭ待后台审?); } } NewsRespUtil.getTotalpage("820507864","32400","wbnews",reloadjs1017js); } else { buildResultStrjs1017js(data); } } String.prototype.trim =function() { vart=this.replace(/(^\s*)|(\s*$)/g,""); returnt.replace(/(^ *)|( *$)/g,""); } //提交评论 functionsubmitrespjs1017js(id) { varanonymous="1"; if($("#respcheck")==null||!$("#respcheck").attr("checked")) { if($("#respwbaccount").val()==""||$("#respwbpassword").val()=="") { alert("请输入用户名或密砸еЩ?); return; } } else { anonymous="0"; } if(($("#respwbrespcontent").val()).trim()=="") { alert("请输入评讨内?); $("#respwbrespcontent").focus(); return; } if(($("#respwbrespcontent").val()).length>1000) { alert("评论内容小于1000个字"); $("#respwbrespcontent").focus(); return; } if($("#resprand").val()=="") { alert("请输入验证码"); $("#resprand").focus(); return; } varpd=hex_md5($("#respwbpassword").val()).toUpperCase() if($("#respsoru").val()=="0") { NewsRespUtil.save("820507864","1015","32400",anonymous,$("#respwbaccount").val(),pd,base64Contentjs1017js($("#respwbrespcontent").val()),$("#resprand").val(),'0',false,savejs1017js); } else { NewsRespUtil.update("820507864","1015","32400",anonymous,$("#respwbaccount").val(),pd,base64Contentjs1017js($("#respwbrespcontent").val()),$("#resprand").val(),$("#respid").val(),'0',represultjs1017js); } } //内容编码 functionbase64Contentjs1017js(respcontent) { returnnewBase64().encode(respcontent); } //是否匿名 functionischeckjs1017js() { if(!$("#respcheck").attr("checked")) { $("#respaccorpass").css("display","inline"); $("#respwbaccount").val(""); $("#respwbpassword").val(""); } else { $("#respwbaccount").val(""); $("#respwbpassword").val(""); $("#respaccorpass").hide(); } } functionchangeimagejs1017js() { $("#resprandimage").attr("src","/system/resource/js/message/createimage.jsp?randnum="+Math.random()); } functioncalculatesize() { varc=($("#respwbrespcontent").val()).length; $("#contentsize").empty(); $("#contentsize").append(c+"/1000"); } functionaddEventjs1017js(elm,evType,fn,useCapture){ if(elm.addEventListener){ elm.addEventListener(evType,fn,useCapture); returntrue; } elseif(elm.attachEvent){ varr=elm.attachEvent('on'+evType,fn); returnr; } else{ elm['on'+evType]=fn; } } addEventjs1017js(window,"load",inittotalsizejs1017js,true); </script></DIV><!--评论结束--></DIV></DIV> <DIVclass="clear_both"style="border-bottom:#b029261pxdashed"></DIV> 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