Research On Financial Management Of ZY Consumer Finance Companies In The Early Days

Since 2010,with the rapid growth of domestic economy,the living standard of residents has been improving day by day.The young people after 90 who pursue individuality begin to step into the society and gradually become the backbone of the society.Their concept of advanced consumption is gradually replacing the traditional concept of consumption.At the same time,with the popularization of mobile Internet technology and the lifting of state policies,consumer finance industry began to develop in full swing.ZY Consumer Finance Co.,Ltd.is a licensed bank consumer finance company established in Z city of H province in late 2016.Relying on the strong banking background and economic strength of shareholders,X Consumer Finance Company,as the first licensed consumer finance company in H province,has attracted wide attention from all walks of life since its establishment.As a licensed bank consumer finance company,ZY company's financial management mode is different from the traditional banking financial management mode,but also different from the traditional manufacturing enterprises,and there are some differences with the typical Internet companies.According to the operation situation of ZY Company in 2017,this paper tries to accurately reflect the operation of ZY Company in 2017 from three aspects,namely,business development,income realization and cost line expenditure,to look for the essence through the phenomenon,to find the problem through the number,to analyze the mode according to the problem,and to find out the order of the mode,and to seek the ZY Company from it.The relationship between the financial management mode and the operation of the company,as well as the problems in the middle,and provide suggestions and suggestions.The main research process of this paper is as follows: firstly,it introduces the background of the start and development of China's consumer finance industry;secondly,it systematically introduces the background of the company and the status of the financial model;thirdly,it analyzes the existing problems and deficiencies of the company's current financial management model,and produces the problems and deficiencies with the specific business data of the company in 2017.Then,according to the existing problems in the financial management mode and the operation process of the company,the paper puts forward the optimization measures of the financial management,and puts forward some safeguard measures and opinions on the optimization measures.Finally,combining with the current economic environment,regulatory environment and industry dynamics,the financial management mode of the company and the company issue.The future of the company is prospected by learning from the development of successful enterprises at home and abroad.