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专访田轩:“卷”利率不可持续,可“卷”产品与服务
Bei Jing Shang Bao· 2025-05-27 13:32
Core Viewpoint - Consumption is identified as a key driver for economic growth in the current domestic economic landscape, with the government prioritizing measures to boost consumption and enhance investment efficiency [1][3]. Financial Policies and Measures - The government has outlined a clear action plan to stimulate consumption through various measures, including increasing residents' income, improving consumption quality, and optimizing the consumption environment [1]. - Financial policies are highlighted as a crucial tool for promoting consumption, with new structural monetary policy tools being implemented to support the consumption market [1][3]. Role of Credit Policies - Credit policies are recognized as the primary means of boosting consumption, with a significant reduction in consumer loan interest rates from the "3" range to the "2" range due to competitive lending practices [3][4]. - The regulatory halt on "rolling" interest rates reflects concerns over excessive consumer borrowing and the need for sustainable financial practices [3][4]. Customized Financial Products - Financial institutions are encouraged to design personalized financial products and services based on individual credit status and consumption needs, including flexible repayment plans and specialized loans for various sectors such as travel, education, and home renovation [5][7]. - The importance of enhancing the consumer experience through optimized approval processes and diversified repayment options is emphasized [5][7]. Risk Management and Control - The rising trend of non-performing loans in consumer credit necessitates a focus on risk management, with financial institutions urged to strengthen their risk control capabilities [6]. - The balance between expanding loan offerings and maintaining risk control is critical, with recommendations for utilizing big data and AI for effective risk assessment [6][10]. Addressing Market Challenges - Key challenges in financial support for consumption include mismatches between financial products and consumer needs, insufficient diversification of service models, and inadequate risk management mechanisms [10]. - Solutions proposed include better identification of consumer needs, optimizing financial product design, and enhancing collaboration between financial services and emerging consumption scenarios [10][11]. Future Innovations in Financial Support - Future innovations in financial support for consumption may focus on macro policy coordination, innovative financial products, and expanding the scope of consumption scenario financing [11][12]. - The establishment of a diversified funding supply system through capital market engagement and the promotion of asset securitization in consumer finance are suggested as potential breakthroughs [11][12].