Development Trend Of Internet Credit Service For College Students

This paper introduces various measures taken after BDJR education credit entered the campus consumer financial market by taking he risk change of BDJR education credit business as the main line.Through data collation,the risk control capability of BDJR is further analyzed,based on the product advantages of BDJR among Internet financial institutions and traditional financial institutions,finding the factors of BDJR’s success,to explore the development of campus’ Internet credit service enterprise,and provide beneficial enlightenment for exploring a road to the reform of the campus’ Internet credit service market,strengthening the whole competition of China’s financial industry.The thesis is mainly composed of six parts: introduction,literature review,case summary,analysis,problems and thinking,and summary.Firstly,we introduce the difference of campus credit market both at home and abroad.The influence of domestic policy and Internet technology have great influence on campus credit market,we study and try to solve the problems in the development of campus credit market.Secondly,the literature through the definition of the Internet campus consumer credit,the author reviews the different opinions in the development of the Internet credit service market,and finally concludes that while the campus credit service market is conducive to the domestic economic development.However,it still needs to be further innovation.Then we review the case of BDJR education credit business development.First,we introduce the background of BDJR education credit project.Then,we describe the process of BDJR education credit business with the change of risk indicators exactly.Finally,after the outbreak of domestic risks,the domestic government has launched a series of new policies aimed at the credit service market for college students.Therefore,we need to further analyze the success of BDJR.The paper compares the cost of BDJR educational credit products with that of Internet educational credit products,and by comparing the competitiveness of BDJR educational credit products with that of traditional credit cards based on Porter’s Five Forces Model,this paper studies the advantages of BDJR educational credit products.And further finds that risk control technology is the key factor to success in the management of educational credit services.Then,through the analysis of risk data from B and C,the author finds out the key factors affecting risk control.Though we analyze BDJR education credit products from point to point,this paper examines the whole college student credit service market.This paper uses BDJR enterprise success factors to analyze the main body of College Students’ credit and the pricing of college students’ loan.Based on the above analysis,this paper further solves how to innovate the Internet credit service for college students from macro-level.Summarize that the future of college students’ Internet credit service is in the market environment of low-price competition,we should take college students as the service object,focus on risk factors and improving the ability of technological innovation.