Risk Analysis Of Internet Consumer Credit

Over the years,China's Internet business has developed rapidly.Various Internet companies have emerged in an endless stream.The degree of market access in the consumer finance industry has grown wider and wider.China's Internet consumer finance industry has entered a phase of rapid development.At the same time,online shopping consumption has gradually become a The important lifestyle,consumer credit has thus extended from the offline to the online,various Internet giants have been involved in the consumer credit market,and they have developed their own consumer credit products,such as the “ant check later” launched by Ant Financial.Jingdong Financial Design's "Jingdong ious" and Suning's Suning Small Loan etc.These new personal consumer credit products purchased first and then paid for have the unparalleled advantages of traditional consumer credit products.Therefore,they are rapidly accepted by consumers once they are available,and are well received by the public.In the Internet financial consumer credit,the credit model headed by "ant check later" is rapidly occupying the consumer finance market in China and has a certain far-reaching impact on the development of China's consumer finance market,and has a certain amount of influence on national life.The degree of promotion,at the same time,has also formed a brand-new Internet financial ecosystem.“Ant Flower” is actually a similar credit consumption service launched in December 2014.It is a consumer credit model jointly launched by Alipay and Ant Microloans.Consumers can use credits to be able to use multiple services such as Taobao.Business platform for consumption,and complete all the repayments in the consumer process before the 9th of next month,consumers can use the associated account balance,bank card,balance treasure,etc.to repay automatically when the repayment,if overdue,then A handling fee will be charged.How much is the user's specific spending amount,this is determined by the sesame credit rating score,so far,the upper limit of the consumption limit is 30,000 yuan.The consumer credit model of "ant hua check later" largely satisfies the consumer credit demand of various consumer groups,but the risk can not be ignored.For the internet companies entering into consumer finance,they understand the consumer financial market and The preparation is not enough.Many companies are only interested in sales share and market share.Todevelop more customers,to seize market share,lower the threshold for consumers and cause excessive credit.At the same time,there are more and more Internet consumer credit platforms in the society,and the types of Internet consumer credit products introduced are becoming more and more diversified.However,these consumer credit platforms have a large gap in their operating strength,and there are also great differences in credit flow management.Due to the lack of legal supervision,the management of many consumer credit platforms is confusing,and there is a lack of clear regulations for market access,which creates platform risks.It can be predicted that in the next few years,Internet consumer credit products will be blow-off development.However,these consumer credit products currently launched in the market still have various shortcomings.There is still a lot of room for development and expansion.We should enjoy the convenience we bring to us while paying more attention to the risks involved.Only in this way,this The industry can have a healthy development.This article is to use ant gold clothes as an example of consumer credit products with the market typical of“ant check later”,analyze its overview and status quo and the risks inherent in the existing development model,and analyze its risk control model and other consumer credits.Different models of product risk control,and put forward their own suggestions for the results of case studies.First of all,this article begins with the research background and significance of Internet consumer credit products,and then introduces the concept and characteristics of Internet consumer credit products,and points out its development momentum and status quo.Then it analyzes the case of “Antaceae” and introduces its overview.The difference between the difference between the credit card and the Jingdong ious,and the analysis of its existing risk control model,and the comparison of the risk control modes of different products,and finally the "ant check later" consumer credit products and consumer credit The industry provided advice on risk prevention and control measures.