旺彩四肖中特图110期

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消費金融應當去蕪存菁

作者:張銳 來源:中國財經報 發布時間:2019-05-28

旺彩四肖中特图110期  RIQIANSHOUGUANDENIANDUCAIBAOXIANSHI,ZAIXIAOFEIJINRONGSHICHANGZHONG,CHULEJIEXINXIAOFEIJINRONGHEZHAOLIANXIAOFEIJINRONGLIANGJIATOUBUJIGOUJINGLIRUNCHAOGUO10YIYUANZHIWAI,LIRUNEZAI1YIYUANYIXIADEXIAOFEIJINRONGGONGSIDUODA10YUJIA,XINGFUXIAOFEIJINRONGHUANFASHENGLESHOUCINIANDUKUISUN。XIANRAN,ZAIYINGLINENGLIYUSHICHANGYEJIFANGMIAN,XIAOFEIJINRONGGONGSIZHIJIANYIJINGCHUXIANLEJIAOWEIQINGXIDEFENHUAQUSHI,JIAZHIJIANGUANZHENGCEKOUJINGBUDUANSHOUJIN,YIJINGQIANGPAOLEJINIANDEXIAOFEIJINRONGQIYEJIEXIALAIJIANGBUDEBUJINXINGZIWOYOUHUAHEQUANMIANJIANSHEN。

  持續擴身 

  XIAOFEIJINRONGGONGSISHIGUONEIXIAOFEIJINRONGJUZHENZHONGDEHEXINZHUTI,MUQIANYOUZHONGYINXIAOFEIJINRONG、ZHONGYOUXIAOFEIJINRONGYIJIJIEXINXIAOFEIJINRONGDENGZAINEIDE23JIAJIGOUSUOZUCHENG。JUZHENZHONGDELINGWAILIANGGEZHUTISHISHANGYEYINXINGYUHULIANWANGJINRONG,QIANZHEZHUYAOTONGGUOXIAOFEIXINDAI(FANGDICHANDAIKUAN)HEXINYONGKALIANGDACHANPINTIGONGXIAOFEIJINRONGFUWU,HOUZHEZHUYAOBAOKUOBATJQIXIADEJINRONGFUWUCHANPIN,RUBAIDUDUXIAOMANYUNYINGDE“YOUQIANHUA”、TENGXUNWEIZHONGYINXINGTUICHUDE“WEILIDAI”、ALIMAYIJINFUYUNZUODE“HUABAI”,YIJIJINGDONGJINRONGQIXIADEJINGDONGBAITIAODENG。P2P、WANGLUOXIAODAIYIJIJINRITOUTIAOKAIFADE“FANGXINJIE”、DIDISHANGXIANDE“DISHUIDAI”DENGYEDOUSHUYUCILIE。

旺彩四肖中特图110期  XIAOFEIJINRONGGONGSIZAIXINGZHISHANGSHICHIPAIJINGYINGDEFEIYINJINRONGQIYE,YUSHANGYEYINXINGXIANGBI,QIZUIDADETEZHENGJIUSHICHANGJINGXIAOFEI,JIMIANDUIMUBIAOKEHUTIGONGJUYOUZHENDUIXINGXUQIUDETIYANXIAOFEI。YINCI,SUIRANMUQIANXIAOFEIJINRONGGONGSIBUSHAOYOUYINXINGQIANTOUFAQI,DANTAMENDOUYUFEIYINXINGYEBANGDEHENJIN。BIRU,SHANGHAIZHONGCHENGXIAOFEIJINRONGBEIHOUZHANZHUXIECHENGJITUANDENGZHONGYAOGUDONG,NINGBOYONGYINGXIAOFEIJINRONGDEZHONGYAOCHUZIRENSHIFUBANGJIAJUYUNINGBOCHENGSHIGUANGCHANG,GUANGDAXIAOFEIJINRONGDEZHONGYAOLIANSHOUFANGSHIZHONGQINGLV。ERXIANGHAIER、SUNINGDENGSHITIQIYEYECHUANGSHELECHANYEXINGXIAOFEIJINRONG,QILIANJIEDEXIAOFEICHANGJINGGENGJIEDIQI。YUXIAOFEIJINRONGGONGSIXIANGBI,SUIRANHULIANWANGJINRONGYEYOUCHANGJINGXIAOFEITEZHENG(ZHUYAOSHIXIANSHANGCHANGJING),BIRU“YOUQIANHUA”YITUODESHIBAIDUSOUSUOCHANGJING、“WEILIDAI”YANGZHANGDESHISHEJIAOCHANGJING、“HUABAI”BEIKAODESHIDIANSHANGCHANGJINGDENG,DANHULIANWANGJINRONGSHUYUFEICHIPAIXIAOFEIJINRONG,QIGANGGANLVYAOBI“ZHENGZONG”DEXIAOFEIJINRONGGONGSIDIDEDUO,QIANZHEZHIYOU2.3BEIZUOYOU,ERHOUZHEKEYIFANGDADAO8-10BEIZUOYOU,YEWUKONGJIANGENGDA,LINGHUODUJIUGENGGAO。

  ZHENGSHIYOUYUJUBEILESHANGYEYINXINGYUHULIANWANGJINRONGSUOBUJUBEIDEYOUSHI,ZICHENGLIZHIJINDEBANIANSHIJIAN,XIAOFEIJINRONGGONGSIYIZHIPAODEHENKUAIHENHUAN,SUONENGLANDAODEYONGHURENCISHAOZESHUBAIWAN,DUOZESHUQIANWAN,TONGSHIFANGDAIJINEDOUZAISHUBAIYIYUANSHENZHISHUQIANYIYUANYISHANG。LINGWAI,ANZHAOGUIDINGXIAOFEIJINRONGGONGSIBUJUBEIXICHUNENGLI,YINCIZIQUNIANKAISHI,GAIXINGYEJINRUZICHANKUAISUKUOZHANGDEGUIDAO。RUZHONGYOUXIAOFEIJINRONGZHUCEZIBENYOU10YIYUANMENGZENGZHI30YIYUAN;MASHANGXIAOFEIJINRONGDEZHUCEZIBENYOU22.1YIYUANZENGZHI40YIYUAN;JIBIANSHIGANGGANGCHENGLILIANGNIANBUDAODECHANGYINXIAOFEIJINRONG,QIZICHANGUIMOYEYOU3.61YIYUANKUOSHENZHI32.09YIYUAN;CHENGLIJINYINIANDEHAYINXIAOFEIJINRONGYEZAIRIQIANWANCHENGZENGZIJIHUA,ZHUCEZIBENCONG10.5YIYUANZENGJIAZHI15YIYUAN。

  市場潛力巨大 

旺彩四肖中特图110期  XIAOFEIJINRONGFUWUDESHIXIAOFEIXINGWEI,MUDESHITONGGUOJUMINDESHILIANGFUZHAILAIQIAODONGXIAOFEISHICHANG,YINCI,XIAOFEIJINRONGDEZUIDAGONGXIANYINGDANGSHIKUOCHONGLEGUONEIXIAOFEIZHEYIJINGJINEISHENGDONGLI。SHUJUXIANSHI,MUQIANWOGUOSHEHUIXIAOFEIPINLINGSHOUZONGEJIEJIN40WANYIYUAN,ZUIZHONGXIAOFEIDUIJINGJIZENGCHANGDEGONGXIANLVCHAOGUOLE76%,XIAOFEIYILIANXUWUNIANCHENGWEIJINGJIZENGCHANGDEDIYIDONGLI,QILADONGJINGJIDEZHULIDIWEIYIJIBENQUELI。LINGWAI,CHUANTONGJINRONGSUONENGFUGAIDESHIBAILINGHEGAOJINGZHIRENSHIDENGYOUZHIKEHUQUN,ERYIXIEDISHOURUQUNTIRUDAXUESHENG、NIANQINGLANLINGDENGDALIANGCHANGWEIDUANKEHUDEJINRONGXUQIUWUFADEDAOMANZU。XIAOFEIJINRONGTONGGUOCHUANGSHEDIMENJIAN、WUDIYAYUKUAIJIESHENPITONGDAODEXINDAIGONGGEIFANGSHITIANBULEJINRONGGONGGEIDUANKONGBAI,CONGERSHIDEXIANDAIJINRONGDEPUHUIGONGNENGDEYIZHANSHI。BUJINRUCI,XIAOFEIJINRONGZAIPINZHONGYUCHANGJINGCENGMIANDEBUDUANTUICHENCHUXINYEDAOBIZHUCHUANTONGYINXINGDENGJINRONGJIGOUJIAKUAILINGSHOUYEWUDIEDAIDEBUFA,TONGSHIJIHUOLEZHENGGEJINRONGSHICHANGDECHUANGXINJIYIN。JUTONGJI,QUNIAN,JINXIAOFEIJINRONGABS(ZICHANZHENGQUANHUA)FAXINGLIANGGUONEIJIAOYIGUIMOJIUDADAO3000YIYUAN。

  ANZHAOYANGXINGPILUDEXINXI,QUNIANGUONEIJINRONGJIGOUZHONGZHUHUDUANQIDAIKUANZENGJIA2.41WANYIYUAN,TONGBISHANGSHENG31%,YIWEIZHUWOGUOXIAOFEIJINRONGDEZENGCHANGSUDUTUPOLE30%。LINGWAI,MUQIANGUONEIRENMINBIDUANQIDAIKUANCUNLIANGWEI8.8WANYIYUAN,AN20%DENIANDUZENGSUJISUAN,MINGNIANGUONEIXIAOFEIJINRONGDADAO10WANYIYUANHAOWUXUANNIAN。BUJINRUCI,XIANGBIXIAOFEIXINDAIMOSHIJIAOWEICHENGSHUDEMEIGUO,WOGUOXIAOFEIJINRONGSHENTOULV(DUANQIXIAOFEIDAIKUAN/XIAOFEIZHICHU)CHUYUJIAODISHUIPING,JINWEIMEIGUODE60%,SHICHANGQIANLIRENGRANHENDA。GENGWEIZHONGYAODESHI,MUQIANWOGUOSIWUXIANCHENGSHIHEGUANGDANONGCUNDIQURENGYOUDALIANGYOUXUQIUDANWEIHUODEJINRONGFUWUDEQUNZHONG。TONGSHI,SUIZHU95HOU、00HOUXIANGJICHENGNIANBINGJINRUSHEHUI,ZHEXIERENSHIBICHENGWEIXIAOFEIJINRONGSHICHANGDESHENGLIJUN。YINCI,WEILAIHUANHUIYOUGENGDUODEJINRONGYUCHANYEZIBENJIARUDAOXIAOFEIJINRONGDEZHENYINGZHONGLAI。

  局部失序 

  RANER,HUIGUOTOUQUKAN,XIAOFEIJINRONGZAIZUIJINJINIANDECHIXUKUOZHANGZHONGYECHUXIANLEBUSHAOLIDAOPIANGUIYIJISHIZHUNTUOBADEXIANXIANG。YIDUANSHIJIANYILAI,ZHENGGEXINGYEJIBENCHUYUYEMANSHENGCHANGZHUANGTAI。CHULEHULIANWANGJINRONGCHANPINLINGRENYANHUALIAOLUANYIWAI,YINXINGXINYONGKAZUIJINLIANGNIANDEZENGFUYEFENBIEGAODA26.45%、16.67%,LEIJIFAKALIANGCONGQIANYINIANDE5.88YIZHANGBIAOSHENGZHIQUNIANDE6.86YIZHANG。SUIRANMUQIANGUONEIRENJUNCHIKALIANGZHIYOU0.49ZHANG,DANCHIKAZHUTIQUEZHONGDUNIANQINGHUA。ANZHAO51XINYONGKALIANHEFABUDE《2018NIANXINYONGKAXINGYEBAOGAO》DETONGJIJIELUN,90ZHI00HOUCHIKABIZHONGGAODA67.86%。WEILEZHENGQUGENGDUODEKEHU,XUDUOXIAOFEIJINRONGGONGGEIZHUTIZAIXIANSHANGYUXIANXIAQUDAODALIANGFABUYINYOUNIANQINGRENJIEDAIDEBUSHIXINXI,TONGSHIFANGSONGDUIJIEDAIRENZIGEYUXINYONGDEBIYAOSHENCHA,BINGQIEQIANFANGBAIJIGUIBIJIANGUANCENGDESHOUXINEDUXIANZHI。

  XIAOFEIJINRONGDEJUBUSHIXUDAILAILEYIXIEJINGJIYUSHEHUIWENTI。JU《2018ZHONGGUOXIAOFEIXINDAISHICHANGYANJIU》DECHUDEJIELUN,WOGUOXIAOFEIJINRONGDESHIYONGZHEZHUYAOSHINIANQINGQUNTI,QIZHONG18SUIZHI39SUIDEQUNTISHIYONGXIAOFEIXINDAIDEZHANBICHAOGUO66%。CHULESHAOSHURENDESHOURUNENGGOUFUGAIXIAOFEIJINRONGDEHUANKUANXUQIUWAI,JUEDABUFENSHUYUSHOURUJIAODI、CHANGDAINENGLIBUQIANGDEQUNTI。YEZHENGYINRUCI,QUNIANXINYONGKAYUQIBANNIANWEICHANGXINDAIZONGEGAODA788.61YIYUAN,YOUCIDAIDONGLEYINXINGZICHANBULIANGLVDETONGBUZENGSHENG。ZHILIANZHAOPINFABUDE《2018NIANBAILINGMANYIDUZHISHUDIAOYANBAOGAO》XIANSHI,CHAOLIANGCHENGBAILINGQUNIANCHUYUJINGJIFUZHAIZHUANGTAI,CHENGWEIDIANXINGDE“YUEGUANGZU”YU“QIONGMANGZU”。BUSHAONIANQINGRENBENZHUCHAOQIANXIAOFEI、RENXINGXIAOFEI、XIANGLEXIAOFEIDELINIAN,SUIYICHAOEJIEDAI,ZUIZHONGJIANGZHAIWUZHUANJIAGEIFUMUYUJIATING,DAOZHIGUONEIJUMINBUMENFUZHAILVZAIQUNIANKUAISUTUPO50%,CHAOZHUFADAGUOJIA60%DEJIATINGFUZHAILVMAIJIN。

旺彩四肖中特图110期  CONGGENGHONGGUANDEJIAODUKAN,YOUYUGENGDUORENDESHIJISHOURUBINGBUZHICHICHANGZHAIZHICHU,BUFENHUOZHEQUANBUQINGCHANGZHAIWUHOUBIRANHUIXUEJIANXIAOFEIZHICHU。YINCIXIAOFEIJINRONGSUIKEYICIJIXIAOFEI“JINGPEN”,DANGUODUGANGGANHUAYEKENENGXINGCHENGDUIXIAOFEIDEJICHU。ZILIAOXIANSHI,JIQUNIANCHUANGXIA1999NIANYILAIDEZUIDIDIANZHIHOU,JINNIAN1-4YUEFENSHEHUIXIAOFEIPINLINGSHOUZONGEZAIDUTONGBISHOUSUO1.7GEBAIFENDIAN,XIAOFEIZENGCHANGDECHIXUXINGYOUDAIGUANCHA。LINGWAI,GUONEITONGZHANGCHUXIANTAITOUQUSHI,JINNIANQIAN4YUECPIZONGTIZHANGFUSUIRANZHIYOU2.5%,DANYUJUMINRICHANGSHENGHUOJINMIXIANGGUANDEZHUROU、SHUCAIHESHUIGUOJIAGEQUEFENBIEBIAOZHANG18.7%、15.6%HE14.4%,ZAIYUANYOUDENGSHANGYOUYUANCAILIAOJIAGEPIRUANBUZHENDEQINGKUANGXIA,GUONEIHEXINXIAOFEIPINJIAGEDAFUPANSHENG。CIWAI,TONGYANGZHIDEGUANZHUDEHUANYOUYINXIAOFEIJINRONGYINQIDESHEHUIYANGLAOFENGXIAN。MAYIJINFUFABUDE《2018ZHONGGUOYANGLAOQIANJINGDIAOCHABAOGAO》XIANSHI,35SUIYIXIADEZHONGGUONIANQINGYIDAIZHONG56%ZANWEIKAISHIWEIYANGLAOCHUXU,44%QUNTIZHONGPINGJUNMEIRENMEIYUECHUXUZHIYOU1339YUAN,BUFENNIANQINGRENCHUYU“LINGCHUXU”ZHUANGTAI。

  正本清源有賴于制度設計  

  WEIRAOXIAOFEIJINRONGDE“BOLUANFANZHENG”,JIANGUANCENGJINNIANLAIPINPINCHUZHAO。RU,KAIZHANHULIANWANGJINRONGFENGXIANZHUANXIANGZHENGZHI、JIAOTINGXIAOYUANDAI、DUIDISANFANGZHIFUSHISHI“DUANZHILIAN”DENG。TONGSHI,HUANFABULE《GUANYUGUIFANZHENGDUN“XIANJINDAI”YEWUDETONGZHI》DENGRUOGANZHIDAOXINGWENJIAN。MUQIAN,WULUNSHIXINYONGKADEFAXINGHUANSHIXIAOFEIJINRONGGONGSIPAIZHAODEFAFANG,DOUCHUXIANLEMINGXIANJIANSUDEJIXIANG。DANSHI,XIAOFEIJINRONGDEZHENGBENQINGYUANBINGBUNENGJINJINYIKAOZHUANXIANGZHENGZHIHUOZHEHONGTOUWENJIAN,BIXUYOULAIYUZHIDUSHEJIYUJIZHIGUIFAN。

  QIYI,ZAIKONGZHIPAIZHAODETONGSHI,YAOJIAKUAIZHENGXINJICHUSHESHIDEJIANSHE。DATONGYANGXINGGERENSHUJUKUYUSHEHUIDISANFANGGERENSHUJUKU,BINGJIANGZHENGXINSHUJUYILVQIANYIBINGNARUYANGXINGZHENGXINTIXI。YICIWEIJICHU,JIANLIHELIYOUXIAODEXIAOFEIJINRONGYEWUJIANGUANKUANGJIA,DUIYUDAIKUANLILV、DAIKUANEDUJINXINGSHIDUZHIDAO。

  QIER,YAOTONGGUOJINRONGKEJISHOUDUANJIAQIANGDUIXINDAIXUQIUFANGDESHIDANGXINGGUANLI。PINGJIERENGONGZHINENG、QUKUAILIANJISHUCHUANGJIANCHUDUIZIJINJIERUFANGCAICHANSHOURU、FUZHAIZHUANGKUANGDENGGEXIANGZHIBIAODELINGMINSHIBIEJIZHI,BINGJUCIJINXINGHELISHOUXIN,YIGELIGAOGANGGANDAILAIDEJINRONGFENGXIAN。

  QISAN,ZAIJIANLIQIDUISHIXINRENLIANHECHENGJIEZHIDUDEJICHUSHANG,YAOJIANGSHIXINCHULIJIEGUOJINXINGSHIDANGGONGKAI,YICIGOUZAOCHUJIEDAIYOUDU、XIAOFEIYOUXUDELIANGHAOJINRONGFENWEI。TONGGUODAXUEKETANG、WANGLUOMEITIYIJICANYINYULECHANGSUODUINIANQINGXIAOFEIQUNTIZHANKAIYOUZHENDUIXINGDEXIAOFEIJIAOYU,YINDAOTAMENYANGCHENGHELIJUZHAIYULIXINGXIAOFEIDEXINGWEIPIANHAO。  (ZUOZHEXIZHONGGUOSHICHANGXUEHUILISHI、JINGJIXUEJIAOSHOU)

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