Consumer financial risk of overdue credit cards and do not put into the Dead Sea super blue ocean ppbox

Consumer financial risk of overdue credit cards and do not put into the Dead Sea super blue ocean "consumer finance is a blue ocean, but if you do not pay attention to risk control, usually made of Dead Sea ocean." Guo Tianyong, director of the banking research center of Central University of Finance and Economics in the 2016 China consumer finance forum. In recent years, consumer finance has become the enterprise in the teeth of the storm pursued by many financial China. Guo Tianyong said that the current consumer financial market presents a situation of tripartite confrontation state, the traditional banking amount is relatively large, but can not represent the future direction of the development of consumer finance. It is worth noting that, for the time being, consumer finance is also faced with fraud, long loan, default overdue risk. In this regard, said Yu Wujie, deputy general manager of sesame credit, consumer finance is significantly higher than the risk of overdue credit card customers. Consumer finance market consumer finance market is a situation of tripartite confrontation has been excavated, and has attracted a lot of market entrants. "This is a very good blue ocean, the next five years, the scale of financial consumption has doubled the potential, by 2020, consumer loans China is expected to reach 1.9~2.2 trillion, an average annual compound growth rate of 20%~24%." Boston consulting global partner Zhang Yue analysis pointed out. The "daily economic news" reporter found out, currently on the market in the consumer financial services can be roughly divided into three categories: one is the commercial bank; the two is the China Banking Regulatory Commission approved the establishment of the Consumer Finance Companies; three is based on the electronic business platform, P2P platform of the Internet consumer financial enterprises. "The current consumer finance market is a situation of tripartite confrontation state. The banking industry is certainly big, basically concentrated in the commercial bank loans, in addition to the bank also do credit card installment, personal consumption loans; second financial institutions licensed, including Consumer Finance Companies and some small loan companies also do consumer loans. The third is non licensed and emerging, especially the new consumer financial institutions to the "Internet plus" created, such as Ali, Jingdong IOUs etc.." Guo Tianyong analysis, the traditional banking amount is relatively large, but it can not represent the future direction of the development of consumer finance, consumer finance real focus should be light small consumer, this one is the focus on promoting the upgrading of consumption, consumption of various types of financial institutions in this direction should be dug in the market, this is trend. Many agencies have also said that consumer financial institutions as a financial company, the risk of a lot of reasons, including policy, liquidity, credit and other aspects. Policy risk, consumer finance is also facing the problem of risk control. First, how to identify the risk of fraud; two, the application of the phenomenon of multiple serious and there is a higher risk; three, hundreds of millions of users lack of traditional credit records; finally, the penalty for overdue penalty." Yu Wujie pointed out. From sesame credit related data show that more than 40% of the overdue orders in there are more than 10 times the cross platform for user groups; in a business, through the risk association found that users suspected cattle groups in the overall default rate of 25%, in a suspected fraudulent use of hacker groups, the overall default rate is close to 100%. Yu Wujie also revealed that, according to"相关的主题文章: