消費金融作為刺激消費的“血液”功能也受到了鼓勵

 

　　最近的一些政策和市場信號表明，消費金融增長速度的趨勢複蘇越來越明顯。今年8月以來，國務院辦公廳和銀保監督管理委員會先後發布了三份明確支持發展消費信貸和創新金融服務的文件。消費者金融牌照也在沉默了很長一段時間，迎來了一個小小的審批高潮。

　　業內人士認為，隨著在國家政策層面采取鼓勵擴大消費的措施，消費金融作為刺激消費的“血液”功能也受到了鼓勵，從而為消費金融公司的發展創造了條件。但與此同時，在經濟環境和嚴格監管的背景下，消費金融公司的新業務將不再有快速增長。

　　加強消費金融政策

我們知道港股和A股的市場大不相同，但是隨著這兩地的互聯互通，在內地就能夠買港股，在香港就能買A股，使得兩地的金融市場能夠互聯互通，共同發展。每一個股票市場都有著落後股和強勢股，作為投資者的我們要萬分小心。

　　受內外部經濟環境的制約，消費逐漸成為中國經濟增長的壓路石。據商務部統計，自2015年以來，消費對中國經濟增長的貢獻率連續三年保持在50%以上。今年上半年，消費對經濟增長的貢獻率為78.5%，同比增長14.2%。

　　從中央銀行發行的信用數據,自2015年以來,消費貸款的主要原因是我國居民的貸款增長,自2017年以來,我國消費貸款和中期消費貸款增長迅速,和長期的消費貸款主要是房間裏的貸款增長明顯,目前短期消費貸款消費貸款總額的比重持續上升。

　　關於如何在下一階段繼續增強居民消費積極性，國務院辦公廳日前發布了國務院辦公廳日前提出的“完善消費促進機制(2018&2020)實施計劃”。加快消費信貸和產品創新管理模式，不斷提高消費金融服務質量和效率，引導商業保險機構加大產品創新力度等。

　　早在8月份，就有跡象顯示政策鼓勵消費金融。8月18日，銀監會官方網站發布通知，通過做好信用工作，進一步提高服務單位的質量和效益。有人建議積極發展消費金融。增強消費在刺激經濟中的作用，適應多樣化、多層次的消費需求，提供和完善差異化的金融產品和服務，支持消費信貸的發展，滿足人們日益增長的美好生活需求。

　　值得注意的是，這也是自2017年11月底發現一系列新的貨幣和信貸條例以來，監管當局首次明確表示肯定消費者融資。中國人民大學重陽金融研究所高級研究員董希淼強調，與以往的政策措施相比，“積極發展消費金融”是更值得注意的措施。

　　隨後，9月21日，黨中央、國務院就完善消費制度機制，進一步激發居民消費潛力發表了若幹意見(以下簡稱“意見”)，建議黨中央、國務院順應居民消費升級的趨勢。滿足基本消費，繼續完善傳統消費，大力培育新興消費，不斷刺激潛在消費。

　　至於近期積極的消費金融政策，董希淼表示，這主要是因為經濟的動力正從出口和投資轉向消費，消費對GDp的貢獻率不斷上升，成為經濟增長的主要動力。另一方面，擴大內需也是下半年經濟發展的一個重要焦點。

　　“但近幾年來，中國消費增長放緩，因此，要積極發展消費金融，發揮金融在促進和促進消費中的作用，使消費成為下半年經濟增長的壓艙和穩定器。”

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Local collector Adam Keresztes explains

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　　The sneakerheads that define Calgary's sneaker culture

　　By Miguel Ibe | @miguel_ibe | mibe@cjournal.ca

　　Oct 31, 2018

　　Adam Keresztes, 32, standing next to his collection of sneakers. Keresztes says his sneaker collection mostly consists of 90 percent Jordans and 10 percent Nikes. photo by Miguel Ibe

　　Sneaker collecting has seen steady growth over the last few years, having gone from being viewed as a niche hobby to becoming a global market. Collectors (or “sneakerheads,” in colloquial terms) have invested themselves into their passion due to the unmistakable impact of Nike, Adidas, Jordan and many other shoe brands.

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　　 that Calgary’s own sneaker community has seen some significant progression, and continues to grow, becoming more “tight-knit”.

　　“It’s really that: Meet people, swap, trade, buy, sell things — that’s really going on,” says Keresztes, who currently owns 80 pairs of sneakers. “people like to really come and meet other people and see what’s out there, and I think a lot of people come from more of a sporting background into sneakers here, whereas in other cities, we’re noticing it’s more of the high-fashion stuff.”

　　Keresztes, 32, says his interest towards sneakers started in 2003 when he was in high school. Coming from a basketball background, he started by looking up on the latest sneakers as well as the basketball players he liked growing up. His interest really kicked off when he started working at Footlocker, where he says that he also began to look up on information about sneakers through magazines and the internet.

　　“When you’re younger, you don’t have any money and you’re just researching, reading SLAM magazines,” says Keresztes, referring to the popular basketball publication. “The internet was kind of [just] starting, so there were [only] a few places...then when I got my first job, it was like, now [that] I had a bit of money, I can start buying and collecting some sneakers”

　　Much like Keresztes, Albert Mejia, 28, says his interest towards sneakers started when he was 13 years old, and that it also came from his love towards basketball.

　　Mejia3 NEWEdited

　　Albert Mejia, 28, holds a pair of his Nike Air Yeezy 1 “Net Tan” sneakers. Though he has lost count of the number of sneakers he currently owns, Mejia says he has the number lies around 300 pairs. photo by Miguel Ibe

　　“I couldn’t get Jordans when I was younger, but I had to find something that was equivalent or close to what looked good on the [basketball] court,” says Mejia. “I also grew up as a b-boy, so for me it was like, you want to look fresh on the court and you want to look fresh off the court.”

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　　Keresztes and Mejia are continuing to help in preserving Calgary’s sneaker community and culture through YYC SOLEdiers, an online sneaker community that the two started in 2012. The group hosts sneaker-oriented events such as the Calgary Sneaker Swap, which allows members of the community to engage with each other, whether it’s through buying and selling shoes, or just wanting to talk about their shared love of sneakers. The two are also set to host the first ever holiday edition of the Sneaker Swap taking place November 3 at the CSB Athletics Centre.

　　Though sneaker collecting has since seen instances of being more of a tactic for financial gain, Mejia states that they would rather not dwell in the culture simply for money, stating that they portray themselves as “advocates” of individuality as well as the passion and love throughout the sneaker community.

　　“For us, it’s about the love of the sneakers, and the love of the art,” says Mejia. “When you see someone wearing a dope pair of sneakers and they know how to dress up, it’s like you’re looking at a moving art piece. It’s poetry in motion”.

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