F消费金融公司发展问题及对策研究

发布时间：2018-07-05 06:54

本文选题：消费金融 + 消费金融公司　；参考：《北京交通大学》2016年硕士论文

【摘要】：消费金融公司在西方发展了数百年的时间,市场相对成熟。在我国,消费金融起步较晚,2009年银监会发布《消费金融公司试点管理办法》,消费金融在我国正式兴起。然而由于我国经济结构不均衡,社会保障体系不健全,居民消费观念相对落后等原因,消费金融在我国的发展还面临着诸多困难。本文以F消费金融公司为研究对象,针对公司发展中面临的突出问题,以消费金融相关理论为基础,采用实证分析与规范分析相结合的方法,运用金融学、管理学、经济学等基本理论,结合笔者从业经验,对公司发展中面临的突出问题进行深入系统的分析,借鉴国外消费金融公司发展经验,提出解决问题的对策建议。首先,本文对F公司现状做出分析,剖析公司存在的问题：包括产品单一、市场接受程度低、人力成本高、风险管控难度大等问题。并运用SWOT分析方法,从政策支持、信贷产品多样化需求、市场前景、技术支持、法律法规、社会保障制度等方面分析公司所处外部机会和威胁；从人事、产品、市场、企业文化等方面分析公司内部的优劣势。其次,通过对国外消费金融的实践分析,总结国外消费金融公司成功的经验：1)产品提供多元化、产品选择灵活性；2)目标客户广泛化；3)分销网络灵活化；4)进行产业化运作；5)业务审核流程科学高效；6)发展速度和规模不能太快。最后结合以上对F公司的分析和国外经验的借鉴,探索公司进一步发展的对策建议,从产品、市场、人事、风控等多个角度提出公司应开发多元化产品、拓展农村市场、控制人力成本、充分运用大数据、运用核心系统及互联网等技术来应对公司发展中的问题,为公司进一步持续快速的发展提供保障。通过以上对F公司发展问题的分析研究以及相应对策的提出,旨在为F消费金融公司及类似公司的发展问题提供借鉴意义。
[Abstract]:Consumer finance companies have developed in the West for hundreds of years, and the market is relatively mature. In China, consumer finance started relatively late. In 2009, CBRC issued the "Consumer Finance Company pilot Management measures", and consumer finance officially rose in China. However, the development of consumer finance in our country is still faced with many difficulties because of the imbalance of economic structure, the imperfect social security system, the relatively backward concept of consumption of residents and so on. This paper takes F Consumer Finance Company as the research object, aiming at the outstanding problems in the development of the company, based on the related theory of consumer finance, using the method of combining empirical analysis and normative analysis, using finance and management, Based on the basic theory of economics and the author's experience, this paper makes a deep and systematic analysis of the outstanding problems facing the development of the company, draws lessons from the development experience of foreign consumer finance companies, and puts forward some countermeasures and suggestions to solve the problems. First of all, this paper analyzes the current situation of company F, analyzes the existing problems of the company, including a single product, low acceptance of the market, high labor costs, difficult risk management and so on. And using SWOT analysis method, from the policy support, credit product diversification demand, market prospects, technical support, laws and regulations, social security system and other aspects of the company's external opportunities and threats, from personnel, products, markets, Corporate culture and other aspects of the analysis of the advantages and disadvantages within the company. Secondly, through the practical analysis of foreign consumer finance, we summarize the successful experience of foreign consumer finance companies: 1) diversification of products, 2) flexibility of product selection and 3) agility of distribution network; 4) industrialization operation 5) business audit process scientific and efficient 6) development speed and scale can not be too fast. Finally, based on the above analysis of company F and the experience of foreign countries, the countermeasures and suggestions for further development of the company are explored. From the product, market, personnel, wind control and other perspectives, the company should develop diversified products and expand the rural market. To control labor cost, make full use of big data, apply core system and Internet technology to deal with the problems in the development of the company, and provide the guarantee for the company's further sustained and rapid development. Through the above analysis and research on the development of company F and the corresponding countermeasures, the purpose of this paper is to provide reference for the development of F consumer finance company and similar companies.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.39

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