Research On Baidu Financial Education Credit Wind Control Under The Internet Consumer Finance Model

Since 2014,our country vigorously promote the Internet plus development strategy,and actively encourage consumer finance,at 80,90 young consumer groups continue to rise,consumer awareness and acceptance of the innovation of financial products has been increasing.The policy factors and changes in consumer habits have driven the rapid development of Internet consumer finance in China.The change of policy factors and consumption habits has brought new development opportunities for China's consumer finance,and the combination of consumer finance and Internet technology and platform,burst out stronger development vitality.Education and training,as an important consumption expenditure of our residents,has a huge demand for the future,but before 2015,credit services in the field of education and training in China are mainly based on student loans and loans provided by banks for some high-end customers.The service and service content of traditional education credit is very narrow,which can not meet the educational credit demand of the current society.Therefore,driven by market demand,policy feasibility,industry competition and other factors,education credit has become a blue sea area of Internet consumer finance.Many Internet financial institutions cooperate with the offline institutions to provide credit support for more people who need re education and training.At the end of 2015,Baidu finance entered the field of education and credit.At the end of 2015,it has built a unique mode of operation and quickly occupied the leading position in the education credit industry by its own advantages in traffic,data,technology and other aspects.By December 2017,more than 3000 institutions of cooperation on Baidu education credit have been over.Over 300 thousand of the junior college students have provided 5 billion yuan in education loan support.But since 2017,Baidu education credit has repeatedly seen risk events such as cooperative educational institutions running,customer breach of contract and other risk events,which have undermined the interests of the borrowers and underlined the problems of wind insurance complex and insufficient prevention and control in Baidu's education credit.In this way,the article combs the differences between the two groups of key words such as Internet consumer finance and traditional finance,traditional education credit and internet education credit,analyzes the special operation mode and risk sources of Baidu education credit,and introduces the wind of Baidu education credit from wind control process and wind control system.Control the status quo.In addition,through the comparative study of wind control mode among competitors,combined with theoretical basis and work perception,the problems existing in the current wind control of Baidu education credit are summed up.Finally,based on the industry environment and enterprise characteristics,4 pertinent optimization countermeasures are put forward.