基于资管渠道模式的消费金融管理研究.doc

中文摘要 2016年8月，银行业管理委员会令信息机构活动暂行办法》对于现有的互联网金融网贷平台冲击作为对于网行业的首部办法，监管层对于网贷行业的设计依然是传统业务的补充。行业的原有大额项目类资产证券化项目如大金额的、应收贷以及资产包转让等）均触及办法行业向小额、分散转型转向就是个人信用、小额车辆抵押贷款以及消费类贷款其中信用贷款小额车辆贷款属于市场的红海，消费类属于市场蓝海银监会颁布，起执行。主要是以银行大型集团的金融公司业务范围是发放小额贷款借款人借款的目的主要用于及家庭消费如旅游、购物、家居装修、婚庆等）消费金融公司起步晚，但是逐步 本文主要通过以资管计划为，通过网络委托贷款，旅行社、家居装修公司合作，以实现消费金融实质的端-资产端经营模式。的，具备定向集合、小额分散资金流可控等优势，形式所管理的运营模式、经营以及财务其能够重要 本文首先通过对案例现有资管计划、委托定向发放模式的介绍计划与，分析其的特色，通过现有的法律法规分析可能的法律风险，以及模式消费模式，模式提供改进意见和建议，运营及财务 【关键字】 资管计划金融模式案例研究 Abstract China Banking Regulatory Commission issued “China Banking Regulatory Commission Order No. 2016” —— Interim Measures for the administration of business activities of Internet lending information intermediary institutions， which brought shock on the loan platform of the existing Internet financial network. As the first supervision and control measures of Government ministries for network loan industry， top-level design of supervisors for network loan industry still the supplement of it serves as traditional banking business. The previous large number loan project and asset securitization project in net loan industry (like a large amount of mortgages， loans receivable， asset packages transfer and so on) are all touch “red line”. Supervision and control measures force the whole industry to small， decentralized direction， and the overall transformation is to personal credit loans， small car mortgages and consumer loans. Among these three loans， personal credit loans and small car mortgages belong to Red sea business of market competition， while consumer loans belong to Blue sea business of market competition. As the fast development of financial market in our country， China Banking Regulatory Commission issued and implemented Measures for the administration of pilot projects of Consumer Finance Companies in 2009， which was revised in 2013 and implemented since 2014. Consumer Finance Companies established according to above measures are mainly joint-ventured by banks or large business groups. Busi