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新世纪评级-2022年度消费金融行业信用回顾与展望

2022年,受国内新冠疫情持续散发以及年底疫情管控放开的短暂冲击,我国经济增速放缓,居民可支配收入增速趋缓,社会消费品零售总额有所下降,消费贷款增速有所回落。监管政策方面,由于2021年消费金融监管政策密集出台,2022年以来监管政策主要是对前期政策的细化以及结合实际情况延长了部分政策的过渡期,给各家机构留出了充分的合规整改时间。 2022年上半年,银行卡应偿贷款余额和8家披露数据的上市银行消费贷

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