Research On The Development Of Consumer Finance In G Bank

Consumption is an important part of social reproduction,It has a unique leading role in economic growth.We should strengthen the upgrading of product research and development and innovation capability in consumer finance,so as to constantly meet the needs of current consumption structure upgrade.With the constant change of the competitive landscape,the bank no longer holds the absolute say in the field of consumer credit,user experience and the scene is becoming the key of business competition,Banks need to shift from products to users thinking,back to the user needs as the starting point design and adjustment of products and services.Based on the analysis of the development history of the consumer credit market,this paper analyzes the competitive situation of the market,according to the transformation strategy and layout idea of G bank.,analyzes the existing problems in the consumer credit business of G bank,and proposes the proposed strategy for G bank's future development of consumer credit business.This article is divided into six parts of G bank consumer credit business development research,first pointed out in the introduction part of this article research background,research purpose,research significance and research method,and an introduction to the literature at home and abroad of consumer credit;The second chapter makes a general analysis on the development of consumer credit,mainly from the domestic and foreign consumer credit development status and the commercial bank consumer credit development situation.The third chapter explains the development of G bank and its consumer credit.The fourth chapter points out the problems and causes of the development of G bank's consumer credit business;The fifth chapter to solve above problems and according to the overall development ideas and strategy of G G bank consumer credit business from the target customer positioning products improve service optimization promotion to advise;Finally,the paper summarizes and puts forward the prospect.