The Discussion On Operating Model For China Consumer Finance Corporation

China Banking Regulatory Commission in August 2009 released a "consumer finance company pilot management approach",in 2010,the first batch of four Chinese consumer finance company officially opened,consumer finance company pilot began. At present,the overall development of China's consumer finance market is relatively stable,steady expansion of business scale,has become an important vehicle to achieve our goal of inclusive finance.But consumer finance company is still in its infancy, companies are still groping for their own business model.Due to an increasingly competitive market,financial innovation led to sluggish consumer financial product homogenization phenomenon still exists within the industry is an urgent need to explore a maturity model.Therefore,the study of consumer finance companies operating mode,in order to provide reference for domestic consumer finance industry, has important practical significance.From the background and significance of consumer finance companies start to related literature consumer finance companies of the sort,summed up the shortcomings of current literature,and on this basis,consumer finance,consumer finance companies and the business model to make the concept of Definition of consumer finance company business model are classified.Articles on the domestic and international situation and the development of consumer finance company business model to make a comparative analysis of depth and Post consumer finance company as an example,the analysis of the company's first quarter financial data,combined with the company's development strategy and its business model characteristics the advantages and disadvantages of existing models.According to the theoretical analysis and case study,this paper presents our current consumer finance company in customer service,products and services,business scope,risk control,and so has a certain inclusive features,but also faced with high product category of the bank,the cost of funds,residents traditional consumer attitudes restrict other problems,from increased government must support efforts to improve the personal credit system,the expansion of consumption finance companies and other sources of funds for their development.Based on this,this paper discusses from the customer point of view of development, internal control angle, the angle of their own development model put forward three suggestions for improvement.