消金行业迎考 新市民服务等成发展新赛道

Core Viewpoint - The consumer finance industry has shown signs of recovery in 2021, with leading companies significantly increasing their revenue, profit, and total assets compared to 2020, while the gap between top-tier and mid-to-low-tier companies continues to widen [1][2]. Industry Performance - Among the 17 licensed consumer finance companies that disclosed their performance, 13 reported a net profit increase in 2021, with several companies achieving over 200% year-on-year profit growth [2]. - Leading companies such as Zhaolian Consumer Finance, Industrial Bank Consumer Finance, and Mashang Consumer Finance reported total assets of 149.698 billion, 61.79 billion, and 61.091 billion respectively, with profits of 3.063 billion, 2.23 billion, and 1.382 billion respectively [2]. - Hubei Consumer Finance experienced the fastest profit growth at 471%, while Sunshine Consumer Finance turned profitable with a net profit of 108 million after less than two years of operation [2]. Future Outlook - The overall upward trend in consumer finance is expected to continue, but the pandemic has altered consumer income and spending expectations, potentially slowing the growth rate of consumer finance demand [1][6]. - New growth opportunities are anticipated in areas such as services for new citizens, rural revitalization, and low-carbon economy initiatives [1][6]. Compliance and Risk Management - The consumer finance industry faces significant operational compliance risks, with regulatory scrutiny increasing in 2021, impacting the direction of the lending industry [4]. - Companies are focusing on compliance development, with efforts to strengthen internal controls and risk management systems [5]. Strategic Directions - Future success for licensed consumer finance institutions will depend on three main factors: technology advancements, scene expansion, and business model innovation [7]. - The industry is expected to see a shift towards integrating online and offline operations to enhance competitiveness [7].