Port communicationHow to apply for a consumer finance license，Registration conditions and procedures for consumer finance companies Financial institutions serve as the main investors of consumer finance companies，The following conditions should be met：(1) Have more than 5 years of experience in the field of consumer finance；(2) The total assets at the end of the most recent year shall not be less than RMB 60 billion or its equivalent in freely convertible currency (consolidated accounting statement standards)；Consumer finance company (3) Good financial status，Continuous profits in the last 2 fiscal years (consolidated accounting statements)；(4) Good reputation，No major illegal or illegal business records in the past 2 years；(5) Sources of capital for investment are true and legal，No borrowing funds may be used to invest in shares，It is not allowed to invest in shares with funds entrusted by others；(6) Commitment not to transfer the equity held by the consumer finance company within 5 years (except when the banking regulatory authority orders the transfer in accordance with the law)，and state it in the articles of association of the proposed company；(7) Have a good corporate governance structure、Internal control mechanism and sound risk management system；"Spend tomorrow's money,"Doing today's errands" has become the consumption habit of more and more consumers.。
Especially June 10, 2025,The State Council executive meeting decided to expand the pilot program of consumer finance companies nationwide,It also released huge positive signals and policy dividends。therefore,Consumer finance has also become the target of many capitals.。2025Year,WeBank、Jingdong、Ali、Various institutions such as Internet financial platforms have entered the field of consumer finance with high profile。
“The online financial retail field represented by consumer finance is undoubtedly a huge blue ocean.,It will surely become a new battlefield for Internet financial platforms to fight.,Whether the personal credit system is perfect or not will become a key factor in determining the prospects of each platform’s consumer finance business. 0" (8) In the future, consumer finance will be comparable to credit cards. "Consumer finance has reached the point of explosion.,2025This year is likely to be a year of great explosion。" said Guo Tianyong, a professor at the School of Finance at Central University of Finance and Economics。
According to Analysys statistics,,At present, consumer credit accounts for only about 20% of my country’s credit structure.,In the credit-rich U.S. market,,Consumer credit accounts for more than 60%。Some insiders estimate,Based on China’s population base and consumer demand,There is still a lot of room for growth in the future,It is a large enough market of tens of trillions。(9) “In the next five years,The scale of Internet consumer finance will be comparable to that of credit cards。” Zhang Jun, CEO of Paipaidai, judged this。
Central bank data shows,By the third quarter of 2025,The total amount of credit card credit is 6.71 trillion yuan,Credit card repayable balance is 2.92 trillion yuan,A year-on-year increase of about 30%。However, credit cards only cover about 200 million people in our country.,There are still a huge number of people without credit cards whose consumption needs need to be developed urgently.。Understanding of consumer finance,Xu Ling, general manager of JD Financial’s consumer finance division, also told the New Express reporter,"In a narrow sense, it means spending tomorrow's money。
"And consumer finance in a broad sense,He expressed,It’s about the consumption process、Consumption upgrade、All financial services generated in the consumption ecosystem、Financial related services。“For example, payments that occur during the consumption process,In fact, it is also a financial service in the consumption stage.。”
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