The Case Analysis And Development Strategy Research On The Consumer Finance Model Within Internet Background

With the changes in the concept of consumption of our residents,higher income and consumption level,and the rapid development of computer science and technology,the Internet consumer finance in China has achieved rapid development in recent years.From 2010,China began to carry out pilot consumer finance,to the rise of Internet consumer finance in 2013,China's consumer finance market in good policy and market environment,ushered in the golden period of development.And in just a few years,whether it is the traditional commercial banks or Internet platform,have entered the consumer financial market.With the help of advanced Internet technology,they have created a new business model that is different from the traditional business model.Based on the above background,this paper uses the method of historical research,comparative analysis,case study and logical reasoning to study and reasoning about the mode and development strategy of consumer finance in the context of the internet.And this paper also focuses on the current Internet consumer financial market in the presence of several major categories,and select the typical case in each category to study,to carry out the analysis from the perspective of business model to product design,operating conditions and other aspects etc.Then discover the insufficiency,and put forward five suggestions for improvement: First,we must vigorously promote the integration of the traditional consumer finance industry and the Internet,in order to better adapt to the background of the times to enrich the main consumer financial markets;Second,suggest that the main bodies and companies that are currently in existence or are about to enter the consumer financial market can innovate differentiated business models,pay more attention to the blank market in current consumer finance market,then occupation of consumer financial markets by providing differentiated consumer financial products and services;Third is to expand the scope of the mobile Internet consumer finance market;Fourth,in the future plan our country should gradually start to build our country's credit system,fully grasp the credit level of Chinese Residents,to achieve information sharing between all walks of life;Fifth is to continue to improve our country's Internet consumer finance industry order and legal system,to give legal support from all aspects and stages about the development of Internet consumption.