消费金融存在哪些风险？

Group 1: Core Insights - Consumer finance plays a significant role in modern economic life by providing diverse financial services to individual consumers, facilitating consumption upgrades [1] - Credit risk is a key concern in consumer finance, as financial institutions rely on consumer-provided credit information to assess repayment ability and willingness, which can be affected by information asymmetry [1] - Market risk is also critical, with fluctuations in interest rates impacting borrowing costs and repayment burdens, potentially leading to increased default rates during economic downturns [1] Group 2: Operational and Liquidity Risks - Operational risk is present throughout consumer finance operations, arising from poorly designed business processes, non-compliance by employees, and inadequate internal controls, which can lead to significant losses [2] - External fraud is a notable aspect of operational risk, where criminals may use forged identities and false transactions to obtain consumer loans, resulting in direct losses for financial institutions [2] - Liquidity risk is a vital consideration, as financial institutions must maintain sufficient liquidity to meet consumer demands for withdrawals and loans, especially during periods of unstable funding sources [2]