The China Banking Association reports: 30 consumer finance companies have a total asset of 753 billion, and the balance of loan is 710.6 billion

21st Century Business Herald reporter Li Yue Beijing report

Recently, the China Banking Association issued the "Development Report of China Consumption Finance Corporation (2022)" (hereinafter referred to as the "Report"), which is an annual report for the development of consumer finance companies for the development of consumer finance companies for four consecutive years for the China Banking Association for four consecutive years. From the six dimensions of development environment, supervision requirements, business development, development characteristics, social responsibility, and development trends, the comprehensive system reflects the overall business status of consumer finance companies in 2021, and uses subtle data and rich cases. It fully demonstrated the development results of consumer finance companies.

The "Report" shows that as of the end of 2021, the number of consumer finance companies increased to 30, with a loan balance of more than 700 billion yuan, reaching 710.6 billion yuan, an increase of 44.2%year -on -year; The pneumonia epidemic has a large recovery compared to 2020. The compound growth rates of loan balances and total assets 2020 and 2021 were 22.6%and 22.8%, respectively, which was close to the average annual growth rate before the new crown pneumonia epidemic.

In 2021, consumer finance companies actively assume social responsibility, increase the publicity and publicity of the epidemic support, fully meet the reasonable demands of customers affected by the new crown pneumonia, open up green channels, launch a series of assistance measures such as delayed repayment and exemption fees and other assistance measures. Make sure that support policies will be effective in time. According to incomplete statistics: In 2021, the consumer finance company for a total of 56,000 customers handled a delay of 3.595 billion yuan; the interest of 247,000 overdue customers was 298 million yuan; the cost of 168,000 overdue customers was 163 million yuan.

"Consumer finance companies focus on the key links and key areas of the development of the three farmers, strive to improve the level of consumer financial guarantee in rural residents, continue to promote the construction of the rural financial environment and rural credit system, implement the national rural revitalization strategy, promote common prosperity in high -quality development in high -quality development "Report" disclosed that consumer finance companies make full use of the business advantages of digital technology and microfinant credit, and continue to sink the focus of financial services and services through the combination of "online+offline", and in -depth consumer credit services to penetrate the consumer credit services. Based on the development of the vast rural areas, on the basis of helping the development of poverty alleviation industries, it further promotes the cultivation of rural specialty agricultural products, new agricultural technology and new formats.

At the same time, consumer finance companies adhere to the differentiated positioning of long -tail customers and sinking markets, deepen the business mechanism of modern fintech applications and Xiao Kuai Ling, deeply integrate into the online and offline diversified vertical consumption scenarios, and gradually reduce operating costs and service prices , Vigorously enhance the availability, convenience and burdensomeness of inclusive financial services, and fully meet the consumer credit needs of traditional finance that it is difficult to benefit customers.

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