日韩精品久久一区二区三区_亚洲色图p_亚洲综合在线最大成人_国产中出在线观看_日韩免费_亚洲综合在线一区

Global EditionASIA 中文雙語Fran?ais
Opinion
Home / Opinion / Opinion Line

Financial innovation will help boost mass consumption

China Daily | Updated: 2022-04-21 07:34
Share
Share - WeChat
JIN DING/CHINA DAILY

China should give full play to the role of financial policy in stimulating household consumption.

Consumption contributed 65.4 percent to China's economic growth in 2021. To meet young people's demands to buy housing, cars and home appliances, as well as elderly people's demands for high-quality life in their later years, financial institutions should provide them with more personalized products and services. They should adjust their credit policies, appropriately increase the scale and proportion of consumption loans, and give more incentives to individual consumption businesses to guide more funds to support consumption credit.

Although there are about 200 million flexible workers in China, the traditional consumer credit system excludes those who do not have a fixed occupation, job and income. Large-sum consumption credit usually requires having a housing mortgage, which too excludes flexible workers. Adapting to the changed employment market, commercial banks should revise their credit management system, providing targeted consumer credit products and expanding the scope of consumer finance products based on the characteristics of flexible employment.

The country should strengthen the empowerment of fintech and improve the risk management mechanism of consumer financial products. Compared with enterprises, individual credit risk is larger. Therefore, when developing consumer credit, financial institutions should not simply rely on housing mortgage to control risks. They should comprehensively consider financial and non-financial factors, relax credit conditions such as fixed occupation, residence and income, build a more scientific consumer credit risk assessment model, and expand the scale of consumer credit under the premise of controllable risks.

It is necessary to strengthen the construction of financial hardware infrastructure such as payment and clearing, data management and technical systems, as well as software infrastructure such as financial ethics and financial standards, to better protect the rights and interests of financial consumers and create a favorable environment for financial consumption.

Most Viewed in 24 Hours
Top
BACK TO THE TOP
English
Copyright 1995 - . All rights reserved. The content (including but not limited to text, photo, multimedia information, etc) published in this site belongs to China Daily Information Co (CDIC). Without written authorization from CDIC, such content shall not be republished or used in any form. Note: Browsers with 1024*768 or higher resolution are suggested for this site.
License for publishing multimedia online 0108263

Registration Number: 130349
FOLLOW US
主站蜘蛛池模板: 精品一区二区三区中文字幕 | 亚洲三级网| 一道本视频在线观看 | 亚洲精品国产偷自在线观看 | xvideos korean | 国产在线aaa片一区二区99 | 一区二区日本 | 日韩加勒比 | 亚洲欧美视频在线 | 两性仑乱视频 | 欧美午夜免费观看福利片 | 亚洲h | 久久香蕉国产线熟妇人妻 | 一区二区三区 日韩 | 奇米影视亚洲春色 | 深夜你懂的在线网址入口 | 国产成人精品.一二区 | 超碰97在线人人 | 亚洲狠狠丁香婷婷综合久久久 | 精品亚洲国产成av人片传媒 | 亚洲一区二区三区高清 | 日本黄色大片免费看 | 国内精品久久久久久中文字幕 | 色人阁亚洲 | 欧美自拍电影 | 人人爽人人爽 | 九九热在线精品视频 | 午夜骚片| 午夜精品在线播放 | 亚洲乱码在线 | 久草视频官网 | 日韩做A爰片久久毛片A片 | 亚洲aⅴ天堂 | 亚洲国产天堂久久综合226 | 国产一级毛片午夜福 | 午夜小视频免费观看 | 91视频在线网站 | 免费看91 | 成人亚洲A片V一区二区三区婷婷 | 偷拍自拍视频在线观看 | 一国产一级淫片a免费播放口 |