J消费金融公司现状及未来发展对策研究
发布时间：2018-12-19 19:33
【摘要】：为配合我国政府拉动内需,保持经济增长的指导方针,中国银行业监督管理委员会(以下简称“中国银监会”)于2009年8月正式发布了《消费金融公司试点管理办法》,2010年3月,中国首批消费金融公司正式开业,消费金融公司试点拉开帷幕。截止2013年2月,首批消费金融公司试点已近三年,这三年过程中,消费金融公司实现了业务的稳步增长,但同时又面临着发展的瓶颈。本文分析了消费金融行业的起源以及发达国家和地区(如美国、欧洲、香港)的先进经验,总结了国内首批试点的消费金融公司的生存和发展现状,并运用战略管理理论重点分析了J消费金融公司的发展现状和对策。在分析过程中,运用战略管理中的PEST分析模型分析了J消费金融公司的外部经营环境,运用五力模型分析了J消费金融公司的竞争环境,然后深层次剖析了公司最近三年的总体战略和竞争战略,并对J消费金融公司的下一步战略规划和具体实践提出了整体建议。 针对消费金融的研究目前在国内属于新兴课题,由于目前大多数研究文献主要侧重于从宏观政策和消费金融行业发展的层面来描述和提出问题,所提的解决方案也主要针对宏观的政策扶持、行业规范、监管完善、信用体系完善等方面,针对消费金融公司具体生存发展实务的研究相对较少。本文希望结合金融学、管理学理论知识和作者在消费金融行业的多年从业经验,从消费金融公司自身的视角,从企业微观层面来提出问题和分析问题,从而探索消费金融公司的具体发展对策。总体来说,从竞争环境来看,我国消费金融行业在短期之内不会面临充分竞争,因此会出现各家争鸣的市场格局；虽然我国个人信用体系尚不健全,普通居民的消费理念还较为保守,消费金融市场还需培育和规范,但消费金融行业仍面临时代机遇,J消费金融公司作为国家首批试点的消费金融公司在一定程度上占据了市场的先机。J消费金融公司的发展路径并不完美,但这也是新兴业务试点期间的必经过程。经过三年时间的探索与发展,时间和市场已经证明了消费金融市场的巨大潜力和消费金融公司的价值所在,同时市场也要求消费金融公司必须寻求切合自身特点的业务模式,打造自己的核心竞争力。在未来的发展中,建议J消费金融公司采取组合型的公司战略和集中化的竞争战略,快速扩展可以带来较高利润的一般用途消费贷款业务,稳定增长可以积累客户数量和为公司长远发展奠定基础的耐用消费品分期贷款业务。同时,降低对短期盈利的要求,将现有的利润和资源投入到核心竞争力的打造中,建立科学完善的风险控制体系和低成本的自动化运营模式。在战略执行过程中,密切关注宏观环境和行业竞争趋势,不断调整发展战略,相信在消费金融业务飞速发展的将来,J消费金融公司会迎来一个良好的发展前景。
[Abstract]:In order to tie in with the guidelines of the Chinese government to stimulate domestic demand and maintain economic growth, the China Banking Regulatory Commission (hereinafter referred to as the "China Banking Regulatory Commission") issued the "measures for the pilot Management of Consumer Finance companies" in August 2009. In March 2010, China's first batch of consumer finance companies officially opened, consumer finance companies pilot started. As of February 2013, the first batch of consumer finance companies have been piloted for nearly three years. In the process of these three years, consumer finance companies have achieved steady growth of business, but at the same time they are facing the bottleneck of development. This paper analyzes the origin of the consumer finance industry and the advanced experiences of developed countries and regions (such as the United States, Europe, Hong Kong), and summarizes the survival and development status of the first pilot consumer finance companies in China. Using the theory of strategic management, the paper analyzes the current situation and countermeasures of J Consumer Finance Company. In the process of analysis, using the PEST analysis model in strategic management, the paper analyzes the external operating environment of J consumer finance company, and analyzes the competitive environment of J consumer finance company by using the five forces model. Then it deeply analyzes the overall strategy and competition strategy of the company in the last three years, and puts forward the overall suggestions for the next strategic planning and concrete practice of J Consumer Finance Company. The research on consumer finance is a new topic in China at present. Since most of the current research literature mainly focuses on describing and raising questions from the aspects of macro policy and the development of consumer finance industry, The proposed solutions also mainly focus on macro policy support, industry norms, supervision, credit system improvement and other aspects, the specific survival and development of consumer financial companies is relatively less research. This paper hopes to combine the theory of finance, management theory and the author's experience in the consumer finance industry for many years, from the perspective of the consumer finance company itself, from the enterprise micro level to put forward the problem and analyze the problem. In order to explore the specific development of consumer finance companies. In general, from the point of view of competitive environment, the consumer finance industry in China will not face full competition in the short term, so there will be various competing market patterns. Although China's personal credit system is not perfect, the consumption concept of ordinary residents is still relatively conservative, and the consumer financial market still needs to be cultivated and standardized, the consumer finance industry still faces the opportunity of the times. J Consumer Finance Company, as the first batch of national pilot consumer finance companies, to a certain extent occupied the market. J Consumer Finance Company's development path is not perfect, but this is also a necessary process during the new business pilot period. After three years of exploration and development, time and market have proved the great potential of the consumer financial market and the value of the consumer finance company. At the same time, the market also requires the consumer finance company to seek the business model that suits its own characteristics. Build your own core competitiveness. In the future, it is suggested that J Consumer Finance Company adopt a combinatorial corporate strategy and a centralized competitive strategy to rapidly expand its general-purpose consumer loan business, which can bring higher profits. Steady growth can accumulate customer numbers and lay the foundation for the company's long-term consumer durables installment loan business. At the same time, the requirements for short-term profits are reduced, existing profits and resources are put into the building of core competitiveness, a scientific and perfect risk control system and a low-cost automated operation model are established. In the process of implementing the strategy, we pay close attention to the macro environment and the trend of industry competition, and constantly adjust the development strategy. I believe that in the future of the rapid development of consumer finance business, J Consumer Finance Company will usher in a good development prospect.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39
本文编号：2387352
[Abstract]:In order to tie in with the guidelines of the Chinese government to stimulate domestic demand and maintain economic growth, the China Banking Regulatory Commission (hereinafter referred to as the "China Banking Regulatory Commission") issued the "measures for the pilot Management of Consumer Finance companies" in August 2009. In March 2010, China's first batch of consumer finance companies officially opened, consumer finance companies pilot started. As of February 2013, the first batch of consumer finance companies have been piloted for nearly three years. In the process of these three years, consumer finance companies have achieved steady growth of business, but at the same time they are facing the bottleneck of development. This paper analyzes the origin of the consumer finance industry and the advanced experiences of developed countries and regions (such as the United States, Europe, Hong Kong), and summarizes the survival and development status of the first pilot consumer finance companies in China. Using the theory of strategic management, the paper analyzes the current situation and countermeasures of J Consumer Finance Company. In the process of analysis, using the PEST analysis model in strategic management, the paper analyzes the external operating environment of J consumer finance company, and analyzes the competitive environment of J consumer finance company by using the five forces model. Then it deeply analyzes the overall strategy and competition strategy of the company in the last three years, and puts forward the overall suggestions for the next strategic planning and concrete practice of J Consumer Finance Company. The research on consumer finance is a new topic in China at present. Since most of the current research literature mainly focuses on describing and raising questions from the aspects of macro policy and the development of consumer finance industry, The proposed solutions also mainly focus on macro policy support, industry norms, supervision, credit system improvement and other aspects, the specific survival and development of consumer financial companies is relatively less research. This paper hopes to combine the theory of finance, management theory and the author's experience in the consumer finance industry for many years, from the perspective of the consumer finance company itself, from the enterprise micro level to put forward the problem and analyze the problem. In order to explore the specific development of consumer finance companies. In general, from the point of view of competitive environment, the consumer finance industry in China will not face full competition in the short term, so there will be various competing market patterns. Although China's personal credit system is not perfect, the consumption concept of ordinary residents is still relatively conservative, and the consumer financial market still needs to be cultivated and standardized, the consumer finance industry still faces the opportunity of the times. J Consumer Finance Company, as the first batch of national pilot consumer finance companies, to a certain extent occupied the market. J Consumer Finance Company's development path is not perfect, but this is also a necessary process during the new business pilot period. After three years of exploration and development, time and market have proved the great potential of the consumer financial market and the value of the consumer finance company. At the same time, the market also requires the consumer finance company to seek the business model that suits its own characteristics. Build your own core competitiveness. In the future, it is suggested that J Consumer Finance Company adopt a combinatorial corporate strategy and a centralized competitive strategy to rapidly expand its general-purpose consumer loan business, which can bring higher profits. Steady growth can accumulate customer numbers and lay the foundation for the company's long-term consumer durables installment loan business. At the same time, the requirements for short-term profits are reduced, existing profits and resources are put into the building of core competitiveness, a scientific and perfect risk control system and a low-cost automated operation model are established. In the process of implementing the strategy, we pay close attention to the macro environment and the trend of industry competition, and constantly adjust the development strategy. I believe that in the future of the rapid development of consumer finance business, J Consumer Finance Company will usher in a good development prospect.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39
【参考文献】
相关期刊论文 前10条
1 张霞;;浅析我国消费金融服务的发展现状及发展策略[J];中国城市经济;2011年17期
2 李平女;栗海燕;;制约我国消费金融发展因素分析[J];金融经济;2011年12期
3 王勇;;通过发展消费金融扩大居民消费需求[J];经济学动态;2012年08期
4 祝红梅;;美国消费金融市场发展对我国的启示[J];金融发展评论;2011年06期
5 中国人民银行合肥中心支行金融研究处课题组;徐金伟;;消费金融公司发展的经验借鉴及对我国的启示[J];金融发展评论;2011年06期
6 许莎雯;;中国发展消费金融研究[J];全国商情(理论研究);2011年01期
7 程艳;;创业型中小企业战略管理探讨[J];企业经济;2011年01期
8 王瑾;;浅谈差异化营销[J];商场现代化;2007年04期
9 高健;;浅析消费金融公司的法律规制[J];商场现代化;2010年06期
10 王若平;;我国消费金融公司发展现状的调查及思考[J];天津经济;2012年06期
，本文编号：2387352
本文链接：https://www.wllwen.com/guanlilunwen/bankxd/2387352.html
