Why sit consumer credit "back seat" – Hydraulic Couplings Supplier – C
Wuhan Branch of People's Bank in Hunan, Hubei, and Jiangxi provinces consumer credit conditions survey showed that consumer credit in recent years growing, but still very low proportion of total loans, consumer credit is limited policy pull effect, the consumer is still based on income, living within our means is still the main consumption patterns of residents.
From January to May, Hunan, Hubei, and Jiangxi provinces of financial institutions large consumer durables loan amount, only retail sales of consumer goods in the same period in the second one ten thousandth, that is for every 20,000 yuan to achieve retail sales of consumer goods, only 1 yuan from the loan. Shows that living within our means is still the main form of consumption, coupled with China's social security system is not fully developed, there are still people around Bacheng cautious on the consumer.
Despite the financial institutions for personal housing loans, consumer auto loans, student loans, loans for large consumer durables, but also try to start the tour of loans, housing renovation loans, but consumer lending structure, primarily individual housing loans , representing the proportion of consumer loans as high as 88.54 percent. Automobile consumption loans accounted for 7.23%, large durable consumer loans accounted for 0.31%, 0.36% Education Loans, and other consumer loans accounted for 3.56%.
Wuhan Branch of People's Bank credit administration official Liu Kezhen this analysis is that consumer credit is a major cause of Slow introduction of a variety of consumer policy, so that consumers can not all care. Some of the current reform policies introduced so that people must be immediate consumption and rational choice between long-term consumption. Hunan, Hubei and Jiangxi provinces located in central China are agricultural provinces, there are dozens of key poverty-stricken counties to support the economic efficiency of enterprises in general depression, laid-off high unemployment, very difficult to start spending.
Accustomed to the traditional business of financial institutions which are somewhat at a loss flawless, the lack of innovation. For a long time, commercial banks formed to support the production-based credit management structure, will be lending focused on industrial and commercial enterprises on the importance of individual consumer credit conditions and inadequate preparation and implementation, not a sound personal credit registration, evaluation institutional system, and set personal loan collateral, credit risk management system without the corresponding provisions of the consumer credit business without a uniform, standardized operation implementation details so strict lending conditions, procedures for many, complicated, especially in loans term, interest rate, scope and so on, and consumers demand a considerable distance. At the same time, rural water, electricity, roads and other infrastructure conditions are poor, a number of consumer goods of high added tax, and restricted to rural, urban residents of the large consumer demand for durable consumer goods.
The industry believes that financial institutions should pay attention to consumer credit, improve services, and consumer credit management as soon as possible to develop rules and regulations, in the gradual establishment of a nationwide personal credit system and through the network to achieve personal credit history information sharing. Wuhan Branch of People's Bank of recommendations based on the survey that the development of consumer loans, stimulating domestic demand, there must be some policy adjustments, to the development of consumer credit and create a good environment.
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