The Feasibility Study Of The X Internet Consumer Financial Cooperation Platform Projet

The marketing mode of traditional financial institutions is to conduct marketing development and in-depth excavation to surrounding customers centering on the business network of institutions.The number of business outlets of financial institutions also determine the number and quality of Client.The profit pattern and product design of traditional financial institutions follow the principle of "the 80/20 law".However,the traditional business operation model of financial institutions has broken by the rise of the Internet finance industry in China.Internet-finance entrepreneurs profit model is no longer based on the principle of"the 80th law",but is positioned at the long tail market with a large customer base,which is also a blue ocean market for financial product innovation.In this paper,refer to a lot theories and research about the Internet financial,and,in the context of the"Internet +" era of strategic transformation of commercial bank research such as literature,through the analysis of X Internet consumer finance platform project build case,from several aspects of main body of the project,project market environment analysis,competitive analysis,project financial analysis,project process analysis and project risk control system analysis,etc.Study the feasibility of the case project and draw a conclusionIn this paper,the basic conclusion is that the when traditional commercial banks build online Internet consumer credit products,it can be established with the third party platform project cooperation,take advantage of both parties' evaluation of customers in the consumer finance sector,thereby forming a set of double evaluation mechanism and risk control system,at the same time,credit guarantee insurance can be introduced as a credit enhancement measure to improve the project's anti-risk ability.The construction of the project not only helps commercial Banks to establish and improve the evaluation system for the long tail customer group,but also helps Internet consumer finance enterprises to establish and improve the customer credit evaluation portrait and improve the customer evaluation quality of enterprises.