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國家金監局:擴大汽車消費 降低消費金融成本
國家金融監管總局日前向各地監管局、各類金融機構下發《關於金融支持恢復和擴大消費的通知》,要求深化對金融本質和規律的認識,引導各類金融機構深耕消費金融細分市場,開發多元消費場景,提升零售服務質量,滿足居民合理消費信貸需求,通過差異化的金融服務更好地為實體經濟服務。 該通知涵蓋七方面共19條,包括加大重點領域支持力度、支持擴大汽車消費、加大新型消費和服務消費金融支持、降低消費金融成本、強化保險保障服務及切實保護消費者合法權益等。 其中,在優化汽車貸款政策方面提出要在依法合規、風險可控前提下,適當放寬汽車消費信貸申請條件,降低汽車貸款首付比例,延長貸款期限,合理確定信貸額度,降低汽車消費門檻。加大新能源汽車支持力度方面提出,要助力新能源汽車推廣應用,滿足居民新能源汽車金融服務需求。 在規範金融服務收費方面提出,要按照合規收費、以質定價、公開透明和減費讓利的原則,嚴格規範金融服務收費,不得就未給客戶提供實質性服務、未給客戶帶來實質性收益、未給客戶提升實質性效率的產品和服務收取費用,不得違規向客戶轉嫁應由金融機構承擔的成本。(ta/w) ~
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