我国消费金融公司运营模式探讨

发布时间：2018-11-01 18:45

【摘要】：中国银行业监督管理委员会于2009年7月正式发布了《消费金融公司试点管理办法》,2010年,中国首批4家消费金融公司正式开业,消费金融公司试点拉开帷幕。目前,我国消费金融市场总体发展较为平稳,业务规模稳步扩大,已逐渐成为我国实现普惠金融目标的重要载体。但消费金融公司仍处于起步阶段,各公司都还在摸索适合自身的运营模式。由于市场竞争日益激烈、金融创新迟缓导致消费金融产品同质化现象依旧存在,行业内部迫切需要探索出一个成熟模式。因此,研究我国消费金融公司运营模式,以期为国内消费金融行业提供借鉴,具有重要的现实意义。本文从消费金融公司的产生背景及意义入手,对国内外消费金融公司相关文献进行了梳理,总结出目前文献中的不足,在此基础上界定了相关概念,对消费金融公司的运营模式在产品服务、融资、风控等方面进行了简要分类。对国内外消费金融公司发展现状及运营模式作出了深入比较分析,并以中邮消费金融公司为案例,分析了该公司一季度各项财务数据,结合公司发展战略及运营模式特征对其进行了现有模式的优劣势分析。根据理论分析与案例分析,本文提出我国现有消费金融公司在客户服务、产品服务、业务范围、风险控制等方面具有一定的普惠性特征,但也面临着产品类银行化、资金使用成本高、居民传统消费观念制约等困境,必须从加大政府支持力度、完善个人征信体系建设、扩充消费金融公司资金来源渠道等方面促进其发展。基于此,提出了从客户发展角度、从公司内控角度、从自身发展角度三个方面的模式改进建议。
[Abstract]:In July 2009, the China Banking Regulatory Commission officially issued the "measures for the pilot Management of Consumer Finance companies". In 2010, the first batch of four consumer finance companies in China officially opened, and the pilot projects of consumer finance companies began. At present, the overall development of China's consumer financial market is relatively stable, the business scale is steadily expanding, and has gradually become an important carrier for China to achieve the goal of inclusive finance. But consumer finance companies are still in their infancy, and companies are still groping for their own business models. Due to the increasingly fierce competition in the market, the phenomenon of homogenization of consumer financial products caused by slow financial innovation still exists, and it is urgent to explore a mature model within the industry. Therefore, it is of great practical significance to study the operation mode of consumer finance companies in China in order to provide reference for the domestic consumer finance industry. This paper begins with the background and significance of consumer finance companies, combs the relevant literature of consumer finance companies at home and abroad, summarizes the shortcomings of the current literature, and defines the relevant concepts on this basis. This paper briefly classifies the operation mode of consumer finance company in product service, financing, wind control and so on. This paper makes an in-depth comparative analysis of the development status and operation mode of domestic and foreign consumer finance companies, and takes the China Post Consumer Finance Company as an example to analyze the financial data of the company in the first quarter. The advantages and disadvantages of the existing models are analyzed according to the characteristics of the company's development strategy and operation mode. According to the theoretical analysis and case analysis, this paper points out that the existing consumer finance companies in our country have some characteristics of inclusiveness in customer service, product service, business scope, risk control and so on, but they are also faced with product banking. The difficulties such as the high cost of capital use and the restriction of residents' traditional consumption concept must promote the development of consumer finance companies from the aspects of increasing government support, perfecting the construction of personal credit information system and expanding the sources of funds of consumer finance companies. Based on this, this paper puts forward three suggestions for improving the mode from the angle of customer development, from the angle of internal control and from the angle of self-development.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.39

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