消费金融公司在欧美等发达国家已经形成了其成熟的经营模式,从其经验来看,消费金融公司往往能够凭借其贷款小额、分散、无担保的特点极大地丰富个人金融产品的类别,在很大程度上满足长期游离于传统金融服务之外的低收入群体的消费金融需求。相信伴随着我国消费金融公司的成立和发展,中低收入 Consumer finance companies have formed their mature business models in developed countries such as Europe and the United States. From their experience, consumer financial companies can often enrich the categories of personal financial products by virtue of their small, scattered and unsecured loans. To a large extent, meet the long-term consumer financial needs of low-income groups outside the traditional financial services. Believe that with the establishment and development of China’s consumer finance companies, low-income