The Analysis Of Operation Mode Of College Students’ Consumer Financial E-commerce Platform

In the context of the rapid development of Internet technology,the traditional consumer finance field is changing,Internet consumption finance came into being and developed at a faster rate.In 2013,China appeared in the first group of college students for the phased consumption platform--Fenqile.After that,college students’ consumer financial E-commerce Platform like Qufenqi,Aixuedai have also been established and joined the college students staging market.As a new group to accept new things,students take the initiative to participate in the Internet consumer financial market,as well as micro-consumer loans in Internet finance and its convenient,easy to operate and other characteristics to promote the development of college students staging market.University of consumer financial business platform after the rapid development in recent years,has been recognized by more and more students,staging business covers almost all colleges and universities nationwide.Stage platform in the rapid development of the same time there have been some problems,caused by the college students and the community’s wide attention.This paper mainly studies the operating mode of college students’ consumer financial E-commerce platform.First of all,this paper introduces the research background and significance of this paper,and the related literature review,innovation and deficiency,and then discusses the general situation of college students’ consumer financial E-commerce platform,including the main business model of university consumer financial market analysis and platform,financing model and risk control model.And then on the representative of the staging platform of the operating mode of the use of SWOT analysis method for specific analysis and found that there are problems in the mode of operation,such as user information security is not guaranteed,the purchase of the product return difficult.Norms and financing channels lead to lack of capital and so on,and analysis of the causes of the problem,such as platform wind control system is imperfect,lack of industry norms and the lack of corresponding laws and regulations.And give the corresponding suggestions from the two aspects of the problem,like improve the service level of online customer service,train long-term customers,set a reasonable rate of installment,broaden the financing channels;industry recommendations like establish a sound credit system,laws and regulations,strengthen supervision.