Research On The Development And Risk Control Of Commercial Bank Campus Consumer Finance Business

At present,30 million college students in China have become one of the main customer groups of consumer finance.In the early stage of the development of the consumer finance market in Colleges and universities,various consumer loan platforms emerge in endlessly.In order to obtain high returns,in order to lure college students to make consumer loans through fraud,high interest,forced consumption and other means,some college students are irreparably hurt and extremely Bad social impact.In recent years,with China's increasing efforts to crack down on illegal campus loans,the illegal campus consumer finance platform has left a lot of market vacuum after being expelled from the market,and because of the increasingly rich Internet consumption scene,it is stimulating the consumption demand of college students all the time.College students aged 18 to 25 can also become the future consumer finance after graduation As the main force in the market,the introduction of bad money and the expanding campus consumer financial market provide a good opportunity for commercial banks to enter into the University consumer financial market.The purpose of this study is to study the typical risks of campus consumer finance from the perspective of college students,hoping to provide feasible suggestions for commercial banks to cut into the campus consumer finance market.This paper uses literature research method to sort out the research results of domestic and foreign academic circles on the development mode and risk control of consumer finance,and summarizes the long tail theory,risk control theory and risk perception theory,which lays a theoretical research foundation for the full text.According to the long tail theory,this paper analyzes the reasons for commercial banks to enter into the consumer financial market from the perspective of economic environment,and analyzes the macro factors such as policies,society and technology to enter the campus consumer financial market,demonstrating the external feasibility of developing the campus financial market.Then,it analyzes the internal feasibility of the development of campus financial market from the channel,mode,technology and penetration ability of commercial banks.In order to understand the college students' perception of the risk of consumer finance,the interview method was used to conduct a questionnaire survey.From the analysis of the statistical results,the risk of common debt,fraud and customer acquisition are the three major risks faced by commercial banks.Finally,the paper puts forward feasible suggestions for commercial banks to avoid campus financial risks from four aspects: University bank cooperation,the construction of College Students' credit system,the strengthening of system and mechanismconstruction,and the creation of an honest and trustworthy atmosphere.The main significance of this study is to analyze the motivation and feasibility of commercial banks' entry into the campus consumer financial market from the external and internal perspectives,to help commercial banks understand the risk points of the campus consumer financial market from the perspective of college students,to treat commercial banks,society and campus as a co governance of risk prevention in response strategies,and to provide new ideas for effective risk prevention and control.