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与发达国家相比,我国的消费金融与财富管理等金融创新业务还处于起步阶段。消费金融的使命,正在于如何能够更好地将金融市场、消费行为与消费者联系在一起。上海交通大学上海高级金融学院副院长朱宁认为,市场的力量能够推动个人消费金融体系的发展,我们应该对市场有信心,政府则应把自己和市场的边界划清楚。他认为监管层对此的主要职责在于宏观审慎监管、系统风险的防范以及对违法行为的追究。如果政府一味为个人消费者或企业提供隐形的信贷担保或救助的话,只会导致市场越来越扭曲。任何金融创新只要能满足消费者需求并被消费者接受,就表明它是好的创新。
Compared with developed countries, China’s financial innovation such as consumer finance and wealth management is still in its infancy. The mission of consumer finance is how to better link financial markets and consumer behaviors with consumers. Zhu Ning, vice president of Shanghai Institute of Advanced Finance at Shanghai Jiaotong University, believes that the power of the market can promote the development of the personal consumer finance system. We should have confidence in the market and the government should draw a clear line between ourselves and the market. In his opinion, the supervisors’ main responsibilities in this regard are macroprudential supervision, prevention of systemic risks and investigation of illegal activities. If the government blindly provides invisible credit guarantees or bailouts to individual consumers or businesses, it will only lead to a more distorted market. Any financial innovation that meets consumer needs and is accepted by consumers shows that it is a good innovation.