消费贷坏账,贷后管理又“进退两难”,怎么破局?

愉见财经
Sep 18, 2025

扩大内需需要消费金融的“热度”,而行业可持续发展则需要不良风险的“降温”。作者 | 新金融琅琊榜当前的消费金融行业,正在上演一曲“冰与火之歌”。一边是扩大内需战略推动消费贷持续扩张,一边是居高不下的资产质量压力。这种两极局面,考验着每家金融机构的战略智慧和经营韧性。而崭露头角的新兴金融科技,有望成为平衡扩张与风控的关键变量。冰与火:高增长与不良抬头并存在政策推动及需求升级的双重驱动下,中国消费...

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