because of the commercial credit module, the bank service object is China large enterprises above Designated Size, they are not only doing the standardized production large, profit more stable (due to the current export suffocate suffocate, enterprise capacity owing on the loan is subject to certain challenges), and, their loan to banks make mortgage assets, bank for the credit crisis can through it to hedge most of the risk (in fact, when the collapse of asset bubbles, bank mortgage assets capability is weak, will eventually cause a lot of bad assets), in this sense, banks are very willing to do this kind of "low return and low risk" business. Because as long as keep the size of loans, in the government's relatively stable "interest protection", Chinese banks operating profit will be very considerable.
, consumer finance business because it serves the customer base is the individual differences, their credit ability is significant, for example, personal income ability will be affected by the individual's physical condition, in the way one gets along with people ability, self constraint force for various reasons such as impact, nor through Consumer Finance Companies have for each person the value of the assets assessment, confirm the mortgage ability, therefore, credit risk control mode is completely and commercial credit model is not the same,<a href="http://www.quantequsa.com/services/brand-watches-p-231.html">腕時計</a> http://www.quantequsa.com/services/brand-watches-p-231.html, not with the assessment of the value of the mortgaged property to control the overall credit risk, but risk is separated into "individual risk" and "systemic risk", and then use the different management methods. Control. For the former, mainly through the credit market conditions linked with high rates of use of "collective" capacity owing on the loan to "hedge" who brings the risk of default, so, the key is to enlarge the market formed a strong collective strength. For the latter, the main is to have a good grasp of the macroeconomic situation, avoid excessive expansion of market capacity owing on the loan over collective phenomenon occurs, thereby "ex ante" will risk control in the cradle of collective default it germinated in the. Of course, also want to consider the case of "post" collective default occurs, so, regulatory authorities prior to the proposed prudential regulation and higher requirements, the development of high risk business of financial institutions such as the establishment of the personal credit system, the credit information sharing platform, in addition,<a href="http://heyworthplumbing.com/pastprojects/images/jackets-japan-outlet-75.html">カナダグース ダウン</a> http://heyworthplumbing.com/pastprojects/images/jackets-japan-outlet-75.html, much higher capital adequacy ratio than the general business credit, loss reserve ratio. At the same time, "ex ante" that have been generated.
Financial vice president,
of the Fudan University School of economics professor Sun Lijian
"consumer finance": China banking weakness
On the financial innovation of abuse from American
while the developed countries this financial crisis, financial innovation ability weak Chinese instead accelerate the pace of. The small loan companies, rural bank model pushed out, at present the country to carry out the business of a Consumer Finance Companies in Beijing, Shanghai pilot, Chengdu and Tianjin four decision. The common characteristics of this type of business is high return, high risk, there is an essential difference with traditional commercial banking credit China long habit.
-- talk about "the development prospects of the Consumer Finance Companies" and the challenges of
In contrast to
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