Research On Profit Model Of Consumer Finance Companies Based On E-commerce

After the promulgation of Pilot Administrative Measures for Consumer Finance Companies in 2009,China's Consumer Finance Market has been developed rapidly,kinds of Consumer Finance Companies took part in the Consumer Market quickly,included of consumer finance companies based on e-commerce.Because of the short time of development,the profit model of most new consumer finance companies were still in the exploration.This paper to Ants Financial Services Group(hereinafter referred to as AFSG)as an example.Firstly,he paper introduces the process of consumer credit companies based on e-commerce both at home and abroad and the development of AFSG,then do analysis of function and localization of AFSG's sub-business module;Secondly,the paper discuses the logical relationship among the sub-business segment and between the sub-business segment and AFSG;Finally,this paper summarized that the profit model of AFSG was on basis of Alipay;on supporting technology of cloud computing,big date and AI;on supporting system of credit and risk control;built out a One Platform,Open Type,Comprehensive Financial Service Ecosphere.The last chapter of this paper would summarized the characters and disadvantages of the profit model of AFSG,and made some advice to other consumer finance companies based on e-commerce or consumer finance companies based on internet.