Any analysis of the demographics of emerging markets tells you that consumer finance is going to be an important part, and a rapidly growing part, of the financial-services spectrum for a long time to come,
It's all good. A bigger economy means all the dangerous ratios, such as investment as a percentage of G.D.P., all fall. And they are usually cited as showing that the Chinese economy is in danger or headed for a fall.
They've been slow on opening the floodgates to allow more capital out of the country because even though now there are clear reasons for bringing capital into China, some day people will want to get out of the yuan - whether it's for safety or a higher return.
They're basically clinically equivalent, but one point of market share is worth millions of dollars, so if they can move the needle one way or the other with some new data, it's worth it for them to try.
China is at a point in growth where South Korea was in maybe the mid-to-late 1960s. It took Korea another couple of decades before it got to a situation where it was a much more consumer-reliant economy.