运用动产和不动产信托进行消费金融创新

起源于英国的现代信托是一种有效的财产管理方式,而动产和不动产信托又是信托业务中的一个重要组成部分,它们所具有的融资功能和产品销售功能使其能够成为消费金融的一支生力军.在我国当前边际消费倾向较低,经济增长乏力的形势下,运用信托手段来开发消费金融可以增加居民对汽车和住房的消费量,进而拉动经济增长.同时,涉足消费金融领域对目前我国经营状况不佳的信托业来说也是一个发展的契机.

Consumer finance innovation by means of chattel trusts and real property trusts

The modern trusts, which originated from the Great Britain, is an effective methods of management property. As an important part of trusts, chattel trusts and real property trusts can push the innovation of consumer finance in our country. Under the condition of lower marginal consumption tendency and lower growth rate of national economy, the consumer finance innovation by means of chattel trusts and real property trusts can stimulate the aggregate consumption, which can eventually push the economy growth. Meanwhile, this innovation is an opportunity for development of the trusts companies in our country.