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20 10 the first batch of three domestic consumer finance companies was approved by the China banking regulatory commission on June 6/kloc-0. The sponsors of the first batch of approved consumer finance companies are Bank of China, Bank of Beijing and Bank of Chengdu. .
These three companies will take the lead in piloting in Shanghai, Beijing and Chengdu respectively. Among them, the first one in China is Yin Bei Consumer Finance Co., Ltd., with a registered capital of 300 million yuan, which is a wholly-owned subsidiary of Bank of Beijing; The second company, Bank of China Consumer Finance Company, has a registered capital of 500 million yuan, and Bank of China contributed 255 million yuan, accounting for 565,438+0% of the shares. An Baili Group invested 654.38+0.5 billion yuan, accounting for 30%; Lujiazui Financial Development Holding Company contributed 95 million yuan, accounting for19%; The third Sichuan Jincheng Consumer Finance Company has a registered capital of 320 million yuan, with Chengdu Bank contributing 565,438+0% and Hong Leong Bank of Malaysia contributing 49%. Is the first joint venture consumer finance company in China. Subsequently, in February of 12, China Banking Regulatory Commission issued a pilot license to PPF Group in Tianjin, and Gitzo Consumer Finance Co., Ltd., which was wholly established by PPF Group, was established in Tianjin with a registered capital of 300 million yuan, becoming the first wholly foreign-owned consumer finance company in China.
20 12165438+127 October, Cai Esheng, vice chairman of the China Banking Regulatory Commission, said at the 2012 Tianjin Consumer Finance Forum held in Tianjin that since the pilot work was launched in 20 10, four pilot consumer finance companies have achieved rapid development and accumulated rich experience. By the end of 20 12 and 10, the total assets of the four pilot consumer finance companies in Beijing, Tianjin, Shanghai and Chengdu reached 40160,000 yuan, the loan balance was 3.709 billion yuan, and the total number of customers exceeded 654.3809 million. The four pilot consumer finance companies operated smoothly, their business scale expanded steadily, and their profitability gradually improved. The three companies achieved profitability. At present, the China Banking Regulatory Commission has submitted a plan for setting up pilot consumer finance companies in big cities such as Beijing and Shanghai, and will publish the Measures for the Administration of Pilot Consumer Finance Companies in due course. The regulatory authorities have set thresholds for the company's business activities, such as capital adequacy ratio and sources of funds. However, if this kind of consumer company really appears, it will be a flat thunder in China's financial history. Its pioneering significance may only be slightly comparable to that of folk credit. folk credit reopened the pawnshop in its early years and is now ready to open. But even so, the last two degrees are different. Because they just dug up the fat loan legally and vigorously from the market monopolized by commercial banks. Speaking of it, this is actually a true and legal embodiment of the different levels of the lending market, and there is no essential revolution in the mode of operation. But what is to be established now is a brand-new financial service institution. In this proposal called Consumer Finance Company, the core symbol of its operation mode is to meet the short-term, small-amount, unsecured and unsecured conditions. For financial services with a slightly similar meaning, China now only has credit card overdrafts. In China, consumers who can use credit cards to overdraw, as long as they are not malicious overdraft consumers, it is estimated that there is no need for innovative services of consumer finance companies; Moreover, such people are more suitable for banks and credit card companies to serve the market division of consumer credit. Short-term, unsecured micro-consumer credit does not exist in China. Because even in countries with developed consumer credit, their consumer finance companies mainly serve low-end individual customers with stable income. How to define the market scope of this low-end individual customer in China? If you can't define the middle and low end, you can't meet the "small amount" of such a company's operation. If it is not a "small amount", it is not a consumer finance company.