代写范文

留学资讯

写作技巧

论文代写专题

服务承诺

资金托管
原创保证
实力保障
24小时客服
使命必达

51Due提供Essay,Paper,Report,Assignment等学科作业的代写与辅导,同时涵盖Personal Statement,转学申请等留学文书代写。

51Due将让你达成学业目标
51Due将让你达成学业目标
51Due将让你达成学业目标
51Due将让你达成学业目标

私人订制你的未来职场 世界名企,高端行业岗位等 在新的起点上实现更高水平的发展

积累工作经验
多元化文化交流
专业实操技能
建立人际资源圈

The nature of consumer finance

2019-11-27 来源: 51Due教员组 类别: Paper范文

下面为大家整理一篇优秀的paper代写范文- The nature of consumer finance,供大家参考学习,这篇论文讨论了消费金融的本质。消费金融的本质,其实就是服务于消费。消费金融法律法规的立法意旨是服务消费。而消费金融服务消费则表现在拉动内需。当前经济步入转型发展时期,由高速增长转向高质量发展,拉动经济的内在驱动力由投资为主导转向居民消费升级为主导,消费已经成为推动经济发展中的绝对主力。另外,消费金融服务消费还表现在普惠金融上。

consumer finance,消费金融,essay代写,paper代写,作业代写

In 2018, China's consumer finance is moving forward in the process of rapid development and standardization. On the one hand, China's domestic consumer demand is strong, consumer financial market prosperity. Retail sales of consumer goods reached 18 trillion yuan in the first half of the year, up 9.4 percent year-on-year, according to the National Bureau of Statistics. Consumer spending contributed 78.5% to GDP growth, up 14.2 percentage points year-on-year. This fully reflects the fundamental role of consumption in China's economic development and provides broad space for the development of consumer finance.

Under this background, the licensed consumer finance companies have capital and expand business scale, 2018 have been mailed in consumer finance companies are increased by 1 billion yuan to 3 billion yuan, for al consumer finance companies are increased by 2 billion yuan to 2.86 billion yuan, the central plains consumer finance companies are increased by 500 million yuan to 800 million yuan, haier consumer finance companies are increased by 500 million yuan to 1 billion yuan, immediately consumer finance companies are increased by 2.21 billion yuan to 4 billion yuan, and so on. At the same time, Internet companies have made use of the advantages of traffic platform to lay out consumer finance.

On the other hand, risk events in consumer finance are frequent. Licensed consumer finance companies are experiencing "pain" and increased business risks. In 2017, three consumer finance companies were penalized and received three fines. In 2018, the number increased to six with eight fines, among which bank of China consumer finance, one of the leading companies in the industry, received three fines within a year. In the first quarter of 2018, home credit consumer finance, which is also in the forefront of the industry, lost 658 million yuan, while in the first quarter of 2017, it made a profit of 314 million yuan, a significant change in loss compared with the same period last year. The important reason is that the decline in asset quality and the increase in provision provision led to the erosion of profit. In the first half of 2018, the top two net profit margins were zhaolin.com consumer finance co., LTD and ifa consumer finance co., LTD, which reached 19.87% and 9.13% respectively. However, compared with the end of 2017, they decreased by 8.69 and 3.25 percentage points. Regulation is becoming stricter. Hidden charges, violent collection and information leakage in the consumer finance industry have been eased to some extent but still occur from time to time. In the field of market segmentation, many consumer financial institutions pursue more scale growth and rapid money savage expansion, resulting in a cluster of institutions, chaos. What is more noteworthy is that there are three events closely related to consumer finance. Various types of "routine loans" emerge in endlessly; the explosion of P2P platforms has caused a shock in the financial industry, which further shows the risk accumulation in the consumer finance sector, which needs to be regulated and rectified.

The essence of consumer finance is to serve consumption. This argument seems simple and obvious, but throughout all kinds of risk events that broke out in consumer finance in 2018, consumer financial institutions often ignored and deviated from the simplest but most essential principle, and failed to build a risk control system around this mission, thus losing the business foundation.

The legislative content of consumer finance laws and regulations is service consumption. Consumer finance companies are defined as "non-bank financial institutions that provide loans for the purpose of consumption" in the pilot management measures for consumer finance companies issued in 2009. In the revision of the administrative measures in 2013, the above positioning was emphasized again, and a clause was added in the general provisions, emphasizing that "consumer loans are loans for the purpose of consumption", which further clarified the business scope and main purposes of consumer finance. Therefore, the original purpose of the legislation of consumer finance corporation is to provide loan services for individual consumption, and it does not include the consumption of large items such as houses and cars, and it is limited to the daily consumption of small items. In practice, whether online or offline mode, consumer finance should be firm, to comply with the requirements of the service consumption this promulgated in 2015 "about promoting the healthy development of the Internet financial guidance" clearly put forward that "consumer finance companies to do business via the Internet, we will strictly follow the regulations, strengthen the risk management, to ensure legal compliance, and to keep the customer information". The notice on regulating and rectifying the "cash loan" business issued at the end of 2017 also clearly stated that "the management of online small loan business shall be strictly standardized, and the issuance of online small loan without the support of specific scenes or specified purposes shall be suspended". Consumer loans are bound to be earmarked for consumption, and those that are not will be severely cleaned up.

Consumer financial services consumption performance in stimulating domestic demand. At present, China's economy has entered a period of transformation and development, shifting from high-speed growth to high-quality development, and the internal driving force driving the economy has shifted from investment to household consumption. Consumption has become the absolute main force in the "three carriages" promoting economic development. Consumer finance should assume the responsibility of supporting the development of household consumption, and guide and encourage households to consume reasonably and boldly. Recently, the state has issued relevant policies to actively promote consumer finance to give full play to the role of stimulating domestic demand. In August 2018, the China banking regulatory commission issued the notice on further doing a good job in credit to improve the quality and efficiency of service to the real economy, which proposed that "consumer finance should be actively developed to enhance the role of consumption in driving the economy". In September 2018, the State Council issued the implementation plan for improving and promoting the consumption system and mechanism, which clearly stated that "accelerate the management mode and product innovation of consumer credit, increase support for key consumption areas, and constantly improve the quality and efficiency of consumer financial services". In September 2018, the CPC Central Committee and the State Council issued several opinions on improving the system and mechanism for promoting consumption to further stimulate the consumption potential of residents, proposing to "further enhance the support role of finance in promoting consumption, encourage innovation in consumer finance, and standardize the development of consumer credit".

Consumption of consumer finance services is reflected in inclusive finance. In November 2013, the third plenary session of the 18th CPC Central Committee officially put forward "development of inclusive finance" for the first time. Inclusive finance has become one of the development goals of major financial institutions. At the end of 2015, the State Council issued the development plan for promoting inclusive finance, which pointed out that "promote the development of consumer finance companies and auto finance companies, stimulate consumption potential and promote consumption upgrading", and consumer finance companies were clearly included in the development plan for promoting inclusive finance. Consumption is closely related to People's Daily life. Consumer finance can meet People's Daily needs and has a good first-mover advantage. Inclusive finance is the natural mission of consumer finance. The current principal contradiction in our society has been transformed into the good life is people's increasing needs and not balance the contradiction between the inadequate development, financial services inadequate there is imbalance problems, low-income people in the rural areas, lack of form a complete set of financial services, unable to support their daily consumption demand, consumer finance service system should be positive for this kind of traditional financial institutions outside the crowd to provide financial service availability, pratt &whitney financial practice, power consumption, realize people's yearning for a better life.

Consumer finance should focus on service consumption and not put the cart before the horse. Consumer finance service should run through the whole business process line of finance. Specifically, it should be reflected in two dimensions: first, consumer finance should be based on consumption. It is to ensure that the service must be aimed at consumers and the loan must be used for consumption. Product design requirements from the interest rate level, loan term, repayment method and other aspects in line with the characteristics of consumer goods; Customer screening requires the use of big data, artificial intelligence and other technical means to ensure that the service object is a real consumer; Capital flow requires the confirmation of loans for consumption through consumption scenarios, payment methods, etc. If it deviates from the main idea of consumption, it will lead to the imbalance in the risk control of consumer finance, resulting in abnormal high interest rate, overpayment, fraudulent loans, multiple loans, misappropriation of funds and other problems. Second, consumer finance should be based on services. Providing loans to consumers for consumption is only the first stage of consumer finance practice. The higher level requirement is that financial institutions should have service awareness, pay attention to professional ethics, strictly abide by laws and regulations, safeguard the legitimate rights and interests of customers, and try their best to improve the service content and quality. Once the lack of service awareness, it is easy to violence collection, information disclosure, illegal credit investigation and other problems. Iii. Improving the risk control system of consumer finance centering on service consumption

Finance is management risk, the risk must have enough awe. 2018 "cash borrowed" platform FKB wave, a significant proportion of those institutions involved in consumer credit, from consumer scene, don't ask the customer qualification, regardless of the loan purposes, bad to use high interest rates high, blind pursuit of loan scale and high profits, seriously deviated from the service consumption this essential feature, brings the serious lack of risk control system is not sustainable, is not conducive to the benign development of the financial system. Focusing on service consumption, it is helpful for consumer financial institutions to identify the entry point and key points, start from scene construction, customer access, capital management and post-loan management, and combine with big data, cloud computing, artificial intelligence and other financial technology means to build a complete risk control system.

Improve customer acquisition through consumption scenarios. Consumer finance customer resources competition is intense, the current prevalence of the Internet economy, online traffic become valuable economic resources, it is reported that the Internet finance company for five years ago the average cost of a customer in 300 yuan, but nearly thousands of yuan is not uncommon for guest cost, moreover reached 3000 yuan, a few years time for guest costs rose more than 10 times, the agencies to obtain valuable customer resources at smashing money do sales promotion, advertising, for search engines, send red packets and so on. This way to get customers belong to the "cast a net all over the sky" type, almost no specific and targeted, time-consuming and difficult and the customer conversion rate is not high. The ideal way of customer acquisition should be to present a perfect phased financial plan when customers start to consume. Consumer services and financial services should be provided to consumers at the same time. The scene is consumption and the scene is finance, which can greatly improve the pertinence of services and customer satisfaction, and at the same time, customer acquisition cost can be greatly reduced. Online traffic platforms with consumption scenes have become the target of cooperation among various consumer financial institutions. For example, Meituan dianping launched in-depth cooperation with zhaopin consumer finance as early as two years ago, and put "borrowing money" credit products jointly launched by both sides on Meituan App "my wallet". It is worth paying attention to that, as each traffic platform becomes more familiar with consumer finance, it will gradually run its own finance and build its own "moat". In September 2018, Meituan wallet launched a loan product called "eolink", which was offered by eolink bank, which is 28.5 percent owned by 3kuai technology under the banner of American group. Similarly, the development trajectory of jd in retail, ctrip in tourism and didi in chuxing is almost the same. Consumption scenario has become a natural advantage for various Internet enterprises to enter consumer finance. For traditional financial institutions and consumer finance companies, it is crucial to win such scenario platform.

Get to know customers by consuming big data. IT has become a consensus in the field of consumer finance to use big data and other fintech to build a risk control system. Consumer financial institutions have invested a lot of human and material resources to build a risk control system of big data. According to different types, the big data used in daily credit investigation can be divided into identity information, consumption data, behavior information, judicial execution information, lending information, travel information, etc. Among them, consumption data has prominent advantages in the field of consumer finance. On the one hand, a big feature of consumption data is its universality. According to the People's Bank of China, as of May 2018, 960 million natural persons had been included in the credit investigation system of China's central bank. As you can see, through the electronic payment form credit reporting data as the central bank credit good supplement, especially in rural areas of electronic payment is bigger, consumption data and electronic credit reporting coverage density is very high, for lack of central bank credit registries groups, consumption data can provide strong credit support to help them get financial services. Consumption and consumption together, on the other hand, for customers in the portrait can accurately reflect the customer consumer preferences, consumption frequency and consumption level, consumption structure, consumption and income compatibility, etc., this kind of data formed in long-term daily behavior, more real and reliable, and can effectively prevent fraud, by cross validation with other information and comprehensive analysis, a complete outline specific customer image, objective evaluation of the customer's consumption ability, the reimbursement ability and willingness to reimbursement, improve risk control effect.

Control the use of money through consumption. One of the major risks of consumer finance is the use of funds, which has been repeatedly emphasized by various laws and regulations. As early as 2010, article 7 of the interim measures for the administration of personal loans stipulated that "the lender shall not issue personal loans without the specified use". The notice on regulating and rectifying the "cash loan" business issued at the end of 2017 focuses on the "cash loan" business featuring "no scene support, no designated purpose, no customer group restriction and no mortgage", requiring all kinds of institutions to comprehensively and continuously evaluate the borrowers' loan purposes. Shortly thereafter, the former regulatory department of non-bank financial institutions of the China banking regulatory commission issued a "letter on forwarding the notice on regulating and rectifying the 'cash loan' business", explicitly prohibiting consumer finance companies from issuing loans for non-designated purposes. In recent years, there have been cases of cheating, falsely claiming and misappropriating consumer credit funds through "pulling heads". The biggest loophole is that the purpose and flow of loans have not been properly controlled. The traditional way of monitoring credit funds is to grasp the direction of capital flow through Banks and other financial institutions. However, consumer finance has the characteristics of small amount, dispersion and high frequency, which brings great challenges to bank monitoring. There are also bottlenecks in information sharing between different Banks and between Banks and non-bank financial institutions. Compared with the pure cash flow, consumer behavior are more likely to be recorded, especially electronic payment has massive popularity, this kind of electronic data more transparent and accessible, through large data, tracking and summary, can effective use of customers of credit fund, for Internet financial platform, borrowing and spending to include all its own platform, form a closed loop of funds, funds for control more at random, such as jingdong "jingdong ious issued by the financial of largely restricted to use in jingdong mall and part of the third party merchants.

Promote post-loan management through consumption credit investigation. Consumer finance is the balance between expected income and current consumption in time allocation. When credit customers break this balance and their income fails to cover consumption effectively, resulting in overdue and poor consumption, they need to guide customers to return to balance through post-loan management. Violent collection, intimidation and abuse, telephone bombing and harassment are obviously not benign management methods. Consumer financial institutions should actively integrate into the construction of an honest society and resolutely safeguard their legitimate rights and interests in strict accordance with the requirements of laws and regulations. Specifically, consumer financial institutions should inform customers of the serious consequences of overdue credit in a proper way, and educate consumers to establish a good sense of credit investigation and integrity; In case of overdue payment or even poor payment, artificial intelligence will automatically identify overdue payment of customers, conduct dynamic evaluation in the form of big data, form personal consumption credit report, and share common credit data with other institutions, break down information barriers, and promote the construction of information resource sharing system from the perspective of daily consumption. Consumer financial institutions should practice the concept of the rule of law and dare to apply to judicial organs to safeguard their legitimate rights and interests.

51due留学教育原创版权郑重声明:原创paper代写范文源自编辑创作,未经官方许可,网站谢绝转载。对于侵权行为,未经同意的情况下,51Due有权追究法律责任。主要业务有essay代写、assignment代写、paper代写服务。

51due为留学生提供最好的paper代写服务,亲们可以进入主页了解和获取更多paper代写范文 提供作业代写服务,详情可以咨询我们的客服QQ:800020041。

上一篇:The fusion of 2d animation and 下一篇:The use of music language