中(zhong)(zhong)證(zheng)網訊（記者(zhe) 周璐璐）中(zhong)(zhong)信(xin)證(zheng)券8月16日對中(zhong)(zhong)國證(zheng)券報記者(zhe)表示(shi)，在(zai)當前(qian)經濟形勢下，著力恢復消(xiao)(xiao)費(fei)(fei)(fei)(fei)需求(qiu)是穩住經濟大(da)(da)盤的重(zhong)要任務。近日，央行(xing)擬(ni)大(da)(da)力支持(chi)消(xiao)(xiao)費(fei)(fei)(fei)(fei)金(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)(gong)司、汽(qi)車(che)金(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)(gong)司發(fa)行(xing)金(jin)(jin)(jin)融(rong)(rong)(rong)債券和信(xin)貸(dai)(dai)資(zi)產支持(chi)證(zheng)券，募集資(zi)金(jin)(jin)(jin)積極(ji)開發(fa)特色消(xiao)(xiao)費(fei)(fei)(fei)(fei)信(xin)貸(dai)(dai)產品(pin)，滿(man)足(zu)居民(min)消(xiao)(xiao)費(fei)(fei)(fei)(fei)升(sheng)級(ji)需求(qiu)，并初步擬(ni)定了比亞(ya)迪汽(qi)車(che)金(jin)(jin)(jin)融(rong)(rong)(rong)、興業消(xiao)(xiao)費(fei)(fei)(fei)(fei)金(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)(gong)司等首批(pi)8家機構，擬(ni)發(fa)行(xing)規模預(yu)計在(zai)500億元左(zuo)右(you)。以上(shang)舉措將(jiang)為消(xiao)(xiao)費(fei)(fei)(fei)(fei)金(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)(gong)司和汽(qi)車(che)金(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)(gong)司提(ti)供融(rong)(rong)(rong)資(zi)便利(li)，支持(chi)消(xiao)(xiao)費(fei)(fei)(fei)(fei)金(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)(gong)司和汽(qi)車(che)金(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)(gong)司提(ti)高金(jin)(jin)(jin)融(rong)(rong)(rong)服(fu)務能(neng)力和消(xiao)(xiao)費(fei)(fei)(fei)(fei)信(xin)貸(dai)(dai)覆蓋(gai)面，并在(zai)提(ti)振消(xiao)(xiao)費(fei)(fei)(fei)(fei)、擴大(da)(da)內(nei)需中(zhong)(zhong)發(fa)揮更大(da)(da)作用。

　　在中信(xin)證(zheng)券(quan)看來，消(xiao)費(fei)(fei)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)司(si)(si)(si)和(he)(he)(he)(he)汽(qi)車(che)(che)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)司(si)(si)(si)是國(guo)內消(xiao)費(fei)(fei)市(shi)場除商(shang)業銀行外的主要金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)服務(wu)機構。根據(ju)中國(guo)銀行業協會公(gong)布的數(shu)據(ju)，截至(zhi)2022年末，全國(guo)30家消(xiao)費(fei)(fei)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)司(si)(si)(si)資產(chan)(chan)(chan)(chan)規模及(ji)貸(dai)(dai)款余額分(fen)別達到(dao)(dao)8844億(yi)(yi)元(yuan)和(he)(he)(he)(he)8349億(yi)(yi)元(yuan)，服務(wu)客戶(hu)人數(shu)達到(dao)(dao)3.38億(yi)(yi)人次，均保持(chi)快速增長，為(wei)恢(hui)復和(he)(he)(he)(he)擴大消(xiao)費(fei)(fei)需求做出了(le)積極貢獻。截至(zhi)2022年末，全國(guo)25家汽(qi)車(che)(che)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)司(si)(si)(si)資產(chan)(chan)(chan)(chan)規模達到(dao)(dao)9892億(yi)(yi)元(yuan)，零售貸(dai)(dai)款余額為(wei)7853億(yi)(yi)元(yuan)，總體保持(chi)穩(wen)健運(yun)行，為(wei)國(guo)內汽(qi)車(che)(che)市(shi)場的穩(wen)增長發(fa)(fa)(fa)揮(hui)了(le)重要作(zuo)用。據(ju)統計，2020年以來，共有10家消(xiao)費(fei)(fei)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)司(si)(si)(si)發(fa)(fa)(fa)行金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)債(zhai)券(quan)225億(yi)(yi)元(yuan)，發(fa)(fa)(fa)行信(xin)貸(dai)(dai)資產(chan)(chan)(chan)(chan)支持(chi)證(zheng)券(quan)505億(yi)(yi)元(yuan)；共有17家汽(qi)車(che)(che)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)司(si)(si)(si)發(fa)(fa)(fa)行金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)債(zhai)券(quan)558億(yi)(yi)元(yuan)，發(fa)(fa)(fa)行信(xin)貸(dai)(dai)資產(chan)(chan)(chan)(chan)支持(chi)證(zheng)券(quan)7284億(yi)(yi)元(yuan)，金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)債(zhai)券(quan)和(he)(he)(he)(he)信(xin)貸(dai)(dai)資產(chan)(chan)(chan)(chan)支持(chi)證(zheng)券(quan)已成為(wei)消(xiao)費(fei)(fei)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)司(si)(si)(si)和(he)(he)(he)(he)汽(qi)車(che)(che)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)公(gong)司(si)(si)(si)重要的融(rong)(rong)(rong)資渠道(dao)。

　　中信證(zheng)券認為，支(zhi)(zhi)(zhi)持消(xiao)(xiao)費金(jin)(jin)融(rong)(rong)公(gong)(gong)司(si)和(he)(he)(he)汽(qi)車(che)金(jin)(jin)融(rong)(rong)公(gong)(gong)司(si)發行金(jin)(jin)融(rong)(rong)債券和(he)(he)(he)信貸資產(chan)支(zhi)(zhi)(zhi)持證(zheng)券，一(yi)方(fang)面(mian)將拓(tuo)寬汽(qi)車(che)金(jin)(jin)融(rong)(rong)公(gong)(gong)司(si)和(he)(he)(he)消(xiao)(xiao)費金(jin)(jin)融(rong)(rong)公(gong)(gong)司(si)市場化融(rong)(rong)資渠道，籌(chou)集低成本(ben)中長(chang)期穩定資金(jin)(jin)，減輕流動性壓力(li)并增強抵御風險能(neng)力(li)；另一(yi)方(fang)面(mian)有助于其盤(pan)活(huo)存量信貸資產(chan)，為業務(wu)后(hou)續開展提供充足的資金(jin)(jin)支(zhi)(zhi)(zhi)持，提高消(xiao)(xiao)費信貸供給(gei)能(neng)力(li)，拓(tuo)寬消(xiao)(xiao)費金(jin)(jin)融(rong)(rong)和(he)(he)(he)汽(qi)車(che)金(jin)(jin)融(rong)(rong)服務(wu)覆蓋面(mian)，實現金(jin)(jin)融(rong)(rong)服務(wu)與消(xiao)(xiao)費環節的緊(jin)密(mi)銜接。