新闻-金融动态
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08-16 09:20上一篇文章讲到P2P借贷平台说不定能够在消费金融领域有一席之地，那么这篇文章就来告诉大家为什么我说P2P借贷平台更适合做消费金融。首先，我们需要了解消费金融行业的现状。
1消费金融行业的现实困境
? 消费金融的概念在中国已经火了一段时间了，各式各样的公司都纷纷在消费金融行业里跑马圈地，不同名称的消费贷款产品……
按照借款人是否接触现金，我们把消费贷款分为了现金贷和代付消费贷款。之所以要这样分类的原因是现金贷与代付消费贷款的授信方式都应该有所差异。
现金贷的授信方式应该与信用卡的授信方式相似，都是采用5P原则，5P分别代表：借款人(People)，资金用途(Purpose)，还款能力(Payment)，债权保证(Protection)，展望(Perspect……
过去，在传统银行领域基本只有信用卡这种消费贷款形式，而互联网金融崛起的同时，也带来了消费金融的兴起。
一、综合消费金融将成P2P信贷主流
目前我国消费信贷在信贷结构中占比仅为20%左右，而在信贷发达的美国市场，消费信贷的占比超过60%，远高于中国，以中国的人口基数，将还有很大的上升空间。对于P2……}