Research On The Deveiopment Trategy Of China Citic Bank ZQ Branch Provident Fund Network Loan Business

In 2015,the State Council piloted consumer finance companies.To further foster and develop the consumer financial system.In March 2016,the Central Bank and the CBRC jointly issued guidance on increasing financial support for consumption in new areas.In 2014,as the pioneer of the online lending,Jingdong launched the JDbaitiao service,an example of consumer finance innovation.Subsequently,it was followed by the Ant Check Later,Suning Renxingfu and so on.All these products,providing online consumer finance service challenged the bank's traditional personal credit products.In 2014,Weifang Housing Provident Fund Center and CITIC Bank jointly launched the Provident Fund Online Consumer Loan,creating a new business model of online consumer loan.Studying and analysing the CITIC Bank Provident Fund Online Consumer Loan provided by ZQ branch of CITIC bank.,this paper aim to put forward the optimization suggestions on making the traditional banks out of the current development predicament,Firstly,this paper elaborates on the birth and background of credit consumption,the research results of the business and countermeasures,content,ideas and innovative performance of the study.Secondly,the paper study and analyse the CITIC Bank Provident Fund Online Consumer Loan provided by ZQ branch of CITIC bank.Finally,On the basis of the comprehensive investigation and analysis,the author puts forward the optimization plan for the credit consumption products,which is optimized by increasing the flexibility of data value,expanding the scope of the business structure,increasing the propaganda intensity,adjusting the product function and competitiveness.This paper takes aim at the ZQ bank Provident fund network loan business,a new research theme,and studies and analyses the actual cases and makes suggestions.It is significant and practicable for studying the banking online loan business and creating the innovation products,The breadth and depth of the paper's research on predicament and optimization strategy still need to be fully integrated with practice,and it is also the direction of this paper's future research.