银行将继续保持中国消费中国体彩的主要力量

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中国’的银行在该国保持影响力’新批准的消费中国体彩公司之间的竞争日益激烈的情况下,该公司在消费中国体彩市场上表现出众。

来自中国中央银行的数据表明,2018年消费中国体彩实现了快速增长,未偿还的消费中国体彩余额增长了33%–上半年每月40%,下半年降至30%左右。

Rong360的分析师李万赋(Li Wanfu)对 中信经纬 that as established players banks still enjoy a marked advantage when it comes to consumer finance in 中国.

Banks can avail themselves of ample funds from their huge deposit bases, with larger banks having several tens of, or even several hundred, million depositors, while their funding costs remain comparatively low, with deposit rates in 中国 currently ranging at between 1.3 – 2.4%.

中国的银行也是数十家获得中央政府监管机构许可的消费中国体彩公司背后的主要参与者。

The 中国 银行业 and Insurance Regulatory Commission (CBIRC) has approved licenses for 26 consumer finance companies, while banks serve as shareholders for 19 of them, or 73% of the total.

The majority of these consumer finance companies have total assets of under five billion yuan, while only seven having total assets of over 10 billion yuan, which puts them roughly on par with a medium-sized rural commercial bank in 中国.

Earnings vary wildly amongst 中国’新成立的消费中国体彩公司。 2018年上半年招联消费中国体彩业务实现净利润6.04亿元,马尚消费中国体彩业务以3.66亿元的净利润位居第二。

与之形成鲜明对比的是,苏宁中国体彩和捷信消费中国体彩均陷入亏损。

 

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