The Research On Profit Model Optimization Of Y Group Finance Co.,Ltd.

At present,many large enterprise groups have set up their own finance companies,and Y Group is no exception.With the gradual development and growth of Y Group,the establishment of the finance company has enhanced its capital management value ability,strengthened the centralized management level of funds,and met the funding needs of various member units.However,the inefficient use of funds hinders the development process of the group and reduces the operational efficiency of the sub-branches,which makes the member units often face internal and external decision-making choices.Therefore,it is of great significance to study the management of profit model of Y Group Finance Company.After analyzing the research background and significance in the first chapter,this paper summarizes the related research results.The second chapter combs the transaction cost theory,the fairness and efficiency theory,the stakeholder theory and the operation management theory,and elaborates the above four kinds.The impact of theory on the management of profit models of group finance companies.The third chapter begins with the specific situation of the actual profit model of Y Group Finance Company,describes the profit model of the financial company and the problems and causes in the operation,and analyzes the problems of insufficient fund management and excessive dependence on the spread income.The fourth chapter proposes the redesign plan of the profit model of Y Group Finance Company by referring to the management of the profit model of traditional bank financial enterprises.First,it has reshaped the financial company's profit and loss balance,work efficiency and time cost,fairness and efficiency of the profit model management objectives.Secondly,it has made corresponding adjustments to its asset business,liability business and intermediary business that affect its profit model management.To achieve a reasonable match between the relevant costs and income,and to achieve the optimal profit model of breakeven,so as to better serve the group's real economy.The fifth chapter puts forward the safeguard measures for the continuous upgrading management of the profit model of Y Group Finance Company,including expanding financing channels,improving profit structure and expanding financial business.The possible innovations in this paper are the pricing basis for the profit model management of profit and loss,work efficiency and time cost,fairness and efficiency.The high-loan and high-yield models in the asset business are adjusted to balance the loan amount and deposit and loan.Based on the pricing management model,the internal fund transfer pricing mechanism in the liability business is transferred to the independent pricing model,which makes the diversification of the intermediate business develop comprehensively,thus providing reference for the optimization of the profit model management of the enterprise group financial company.