Which platform is consumer finance?

1. Which platform is consumer finance?

Consumer finance is a consumer finance loan platform.

Consumer finance refers to consumer finance companies. In addition to loans from consumer finance companies, consumer finance will also cooperate with other loan platforms to provide loan services for loan platforms. Therefore, the user has received a short message on consumer finance, and the content of the short message will not include the loan platform. Users can check the personal credit report, judge which online loan the consumer financial SMS refers to according to the borrowing time and amount, and then pay attention to repayment on time.

Second, what is online loan consumer finance?

Traditional consumer finance is a modern financial service model that provides consumer loans to consumers at all levels. Whether from the perspective of financial product innovation or expanding domestic demand, consumer finance pilot has positive significance.

Under the current macroeconomic situation in China, it is necessary to introduce relevant management measures in time to adapt to the trend and needs of the objective economic situation. From the perspective of financial product innovation, personal credit business is an area that traditional banks cannot fully benefit from. Establishing a professional personal consumption financial system can better serve individual residents.

Extended data:

Sources of consumer financing:

It comes from the Measures for the Pilot Management of Consumer Finance Companies issued by China Banking Regulatory Commission. China Banking Regulatory Commission announced on June 5438+03 that it officially issued the Measures for the Administration of Pilot Consumer Finance Companies and started the pilot examination and approval of consumer finance companies. The CBRC will adopt the method of piloting such institutions first, and then gradually liberalizing them, and approve institutions in Beijing, Tianjin, Shanghai and Chengdu to carry out pilot projects, and then promote them after success.

The Measures stipulate that the main investors of consumer finance companies should be domestic and foreign financial institutions and other investors recognized by the CBRC, and they should have the conditions that the total assets at the end of the most recent year should not be less than 60 billion yuan; The minimum registered capital of a consumer finance company is 300 million yuan; In the pilot stage, the business scope of consumer finance companies only includes personal durable consumer goods loans and general-purpose personal consumption loans, and does not involve real estate loans and auto loans.

Combined with international experience, the Measures set relevant regulatory indicators for consumer finance companies, including the capital adequacy ratio of not less than 65,438+00%, the asset loss reserve adequacy ratio of not less than 65,438+000%, and the ratio of interbank borrowing funds to total capital of not more than 65,438+000%.