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一本智库 > 智库观点 > 中美现金贷客群对比分析

中美现金贷客群对比分析

2018-11-14
367030
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20%DEMEIGUORENDOUCENGJINGSHIYONGGUOFAXINRIDAIKUAN,QIZHONG,DABUFENRENQUNWEICIJI(subprime)KEQUN。MEIGUOPIYOUYANJIUZHONGXIN(The Pew Charitable Trusts)FABUDEYIFENDUIXIANXIAFAXINRIDAIKUANRENQUNDEDIAOCHABAOGAOXIANSHI:FAXINRIDAIKUANRENQUNDENIANLINGFENBUJIAOWEIPINGJUN,30SUIYIXIADERENQUNZHANBI28%,30-50SUIDERENQUNZHANBI47%,50SUIYISHANGDERENQUNZHANBI26%;DAIKUANRENDENIANSHOURUDADUOZAI4WANMEIYUANYIXIA,ZHANBIYUEWEI73%,QIZHONG,SHOURUZAI25000MEIJINYIXIADERENQUNZHANBIGAODA49%;CONGSHOUJIAOYUCHENGDUSHANGKAN,54%DEJIEKUANRENYONGYOUGAOZHONGJIYIXIAXUELI,YONGYOUZHENGSHIDAXUEXUEWEIDERENQUNZHANBIWEI11%;58%DEXIANXIAJIEKUANRENXUYAOZUFANG;JIEHUNRENQUNZHANBI33%,LIHUNDERENQUNZHANBIDA25%。 [2]

 

GENJUMEIGUOFAXINRIDAIKUANDAOLIUPINGTAIDESHUJU,XIANSHANGJIEKUANRENDENIANLINGWEI20-40SUI,NIANSHOURUWEI2-5WANMEIYUAN。GAIPINGTAISUIJICHOUQULEMOUYITIANSHENQINGZHEDESHUJU,ZAI736369DEZONGSHENQINGRENZHONG,CHAOGUO50%DESHENQINGZHEYOUFANGCHAN;ZAITONGGUOCHUBUSHAIXUANDESHENQINGRENZHONG,45.2%DESHENQINGRENYOUFANGCHANBINGQIEPINGJUNSHOURUZAI47260MEIYUAN。 [3]

 

JINRONGFUWUCHUANGXINZHONGXIN(Center for Financial ServicesInnovation,CFSI)GENJUJIEKUANSHIYONGQINGKUANGDUIJIEKUANRENJINXINGLEYIXIANGJIAOWEIQUANWEIDEYANJIU。CFSIDIAOCHALE1121MINGXIAOEXINDAIXIAOFEIZHE,BINGDUIQIANYINIANSHIYONGXIAOEXINDAIDEXIAOFEIZHEJINXINGLE31CIFANGTAN。YANJIURENYUANFAXIAN,YUE2/3DEFAXINRIDAIKUANJIEKUANRENDEJIEDAIXINGWEISHIWEILEMANZUDANYIDEXUQIU,ZHUYAOJIEKUANYUANYINWEIZHIFUYIWAIFEIYONG、CHULICUOWEIDEXIANJINLIULIANG、ZHICHUJINGCHANGCHAOGUOSHOURU、JIHUAGOUMAI。NEIXIEYINWEIXIANJINLIULIANGPIANCHAHUOZHEYINWEIKAIZHIJINGCHANGCHAOGUOSHOURUDEJIEKUANZHEDEJIEKUANBISHUZUIDUO,DA6GEJIYISHANG。YANJIURENYUANHAIFAXIAN,XUDUOJIEKUANRENGUOQUYIKAOJIARENHEPENGYOULAIYINGFUJINGJIYALI,DANJIARENPENGYOUZUIZHONGKENENGYEWULIYIZHITIGONGZHICHI,DUIYUJIEKUANRENERYAN,JINYIBUJIEKUANDESHEHUICHENGBENTAIGAO。 [4]

 

2012NIANDEYIXIANGYANJIUZEFAXIAN,16%DEDIYICIFAXINRIDAIKUANJIEKUANRENYONGZHEIBIKUANXIANGLAIZHIFUYIWAIHUOJINJIZHICHU,69%DEJIEKUANRENSHIYONGLAIZHIFUQITABIYAODEFEIYONG,RUSHUIDIANFEIZHANGDAN、XINYONGKAZHANGDAN、ZUJINHUOSHIPIN。ZHEISHUOMING,DADUOSHUFAXINRIJIEKUANZHEKENENGZAIYONGYUQIDEKUANXIANGZHIFUDANGQIANDINGQIDEZHICHU,ZHEIDUITAMENZUIZHONGNENGGOUJISHIHUOWANQUANCHANGHAIJIEKUANJUYOUYIDINGDEYINGXIANG。 [2]YOUYUFAXINRIDAIKUANXINGYEDEJISHUGUOYUPANGDA,YANGBENCUNZAIYIDINGPIANCHA,JIAZHIGEJIADUIFAXINRIDAIKUANKEQUNJINXINGYANJIUDEJIGOUZAIXINGYEZHONGDELIYIGUANLIAN,MEIGUODEFAXINRIDAIKUANKEQUNYANJIUYECUNZAIZHEHUXIANGMAODUNDEQINGKUANG。

 

ZAIDUIDAIFAXINRIDAIKUANDETAIDUSHANG,PIYOUYANJIUZHONGXINDEDIAOYANDEJIELUNWEIDABUFENJIEKUANRENBUXIHUANFAXINRIDAIKUANCHANPIN。 [5] ERLINGYOUYANJIUFAXIAN,DADUOSHUFAXINRIDAIKUANDEJIEKUANZHEXIHUANZHEIYICHANPIN,QIZHONGYOU86%DERENBIAOSHIZHEISHIYIGEYOUYONGDEJINRONGCHANPIN,71%DEJIEKUANRENYONGZHEIYICHANPINLAIMIBUYIWAIKAIZHIHUOZANSHIJIANSHAODESHOURU。 [6]

 

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ZAIMEIGUO,YUE20%DERENQUNWEIBOXINYONGHUOZHEMEIYOUXINYONGFEN,WEIBEICHUANTONGYINXINGFUGAI。MEIGUODEXINYONGKAFAFANGYIXIACHENDAOLECIJIRENQUN,NENGXIANGSHOUDAODEJINRONGFUWUJIAOWEIDUOYANG。XIANGFANDESHI,ZHONGGUOQUEJINYOUYUE15%DERENQUNNENGXIANGSHOUDAOYINXINGDEJINRONGFUWU。YIBENZHIKUFAXIAN,MEIGUODEXINDAISHICHANGCENGCIBIZHONGGUOGENGWEIQINGXI。

 

TONGSHI,CONGSHOURUSHUIPINGLAIKAN,MEIGUOFAXINRIJIEKUANKEQUNDESHOURUSHUIPINGDUOCHUYUPINKUNJIECENGHEZHONGCHANJIEJIXIACENG。ERZHONGGUODEXIANJINYONGHUPUBIANYUESHOURUZAI2000-5000YUANDESHUIPING,ZAIZHONGGUODECHENGZHENJUMINSHOURUSHUIPINGZHONGKEPAIDAOZHONGDENGPIANSHANGSHOURUSHUIPING。

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