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论文编号：	11795
作者编号：	2320170499
上传时间：	2020/6/21 21:15:11
中文题目：	捷信消费金融公司运营模式改进研究
英文题目：	Research on the improvement of the operation mode in Home Credit
指导老师：	李季
中文关键字：	消费金融；运营模式；捷信消费金融
英文关键字：	Consumer finance；Operation mode；Homer Credit
中文摘要：	摘要 2009年7月，中国银行业监督管理委员会正式地制定并发布《消费金融公司试点管理办法》。中国首批4家对消费金融公司在2010年北京开业，消费银行和金融公司监督和管理有限公司的成立和试点也再次开启了新的消费金融行业变革和发展的序幕。虽然从消费金融行业的发展以及整体形势和发展情况来看，消费银行和金融市场的生存和发展较为平稳，但是接受消费银行和金融公司监督和管理的公司依旧处于持续发展阶段，各消费银行和金融公司都在寻找和尝试一种能够适合自身消费金融产品和服务的运营模式和发展方向。与此同时，由于对消费银行和金融相关产品的创新发展较为迟缓，在竞争激烈的消费金融市场背景下，消费金融的相关产品也频频地出现了产品同质化的发展现象，整个消费金融行业发展急需新的产品和运营发展模式。 本文以捷信消费金融有限公司为例，结合其未来发展的战略及消费金融运营管理模式的特征，运用PEST分析法、SWOT分析法、4R营销组合理论三种理论分析工具对捷信消费金融公司其运营管理模式在业务模式、风控系统、产品设计三个方面的优劣势进行分析，总结并指出目前捷信消费金融公司在运营模式这三方面上出现的问题，并提出应尽快完成线下转线上客户转化、推动数字化经营模式、拓宽农村消费市场、强化内部风险控制评分系统、加强产品服务创新以及潜在客户的发掘等改进策略，并配合内部与外部组织的保障，才能将改进策略顺利得以实施的说明。 其中本文也指出了捷信消费金融公司面临着该行业在消费金融法律体系制度完善程度、监管力度、产品的同质化、运营成本高、居民对传统的消费观念受到制约等的困境，必须从进一步加大地方政府消费金融支持的力度、完善消费金融个人征信服务体系的建设、完善对消费金融的法律体系和其监管规章制度、加强内部运营模式风险的防范并予以促进其发展。基于此，作者提出旨在深入研究和探索我国消费金融新的产品和运营发展模式，结合国外整个消费金融行业的前车之鉴与我国的基本国情相充分契合的前提下，对捷信消费金融公司运营模式改进研究探讨能够为整个消费金融行业的发展提供一些思考与借鉴。
英文摘要：	Abstract In July 2009, the China banking regulatory commission formally formulated and promulgated the "pilot management measures for consumer finance companies". In 2010, the first four supervision and management companies of consumer Banks and financial companies were established in Beijing. The establishment and pilot of consumer Banks and financial companies’ supervision and management co., ltd. also opened a prelude to the reform and development of the new consumer finance industry. Although from consumption development and the development of the financial sector and the overall situation, the survival and development of consumer banking and financial market is relatively stable, but with consumer banking and financial supervision and management of the company is still in the initial stage of development, the consumer banking and financial firms are looking for a suitable for their own consumption and try to the operation mode of the financial products and services and the development direction. At the same time, due to the relatively slow innovation and development of consumer banking and finance-related products, in the context of the fiercely competitive consumer finance market, the development of consumer finance-related products has frequently appeared the phenomenon of product homogeneity, the development of the entire consumer finance industry is in urgent need of new products and operation development model. As home credit consumer finance co., LTD to be an example, combined with the future development strategy, and consumer finance operation management mode, the characteristics of the PEST analysis, SWOT analysis, the 4R marketing theory, three kinds of theoretical analysis tools for home credit consumer finance companies operating management model in the business model, risk control system, product design is briefly analyzed, the advantages and disadvantages in the summary and points out that at present home credit consumer finance companies in the operating mode on the three parties face the problems, And should be completed as soon as possible turn offline online promotion customer conversion, digital management mode, broaden the rural consumption market, strengthening the internal risk control scoring system, strengthening the product service innovation and improvement strategies such as potential customers discover and comply with the security of the internal and external organization, to improve the strategy implemented smoothly. Which this thesis also points out the home credit consumer finance companies face the industry in the consumer financial legal system system consummation degree, the level of regulation, product homogeneity, high operating costs and the inhabitants of the traditional consumption idea constrained, etc, must be from further increase the consumption of local government financial support, improve consumer finance the construction of personal credit reporting service system, perfecting the legal system of consumer finance and its regulatory rules and regulations, strengthen the internal operation mode risk prevention and control, etc, to promote its development. Based on this, the author puts forward to in-depth study and explore the development of China's consumer financial products and new operation mode, combining with the entire consumer finance industry of foreign experience and our country's basic national condition fully agree with the actual condition, want to home credit consumer finance companies operating mode to improve research to the consumption of some thinking and references for the development of financial industry.
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