【摘要】：中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)于2009年7月正式發(fā)布了《消費(fèi)金融公司試點(diǎn)管理辦法》,2010年,中國(guó)首批4家消費(fèi)金融公司正式開(kāi)業(yè),消費(fèi)金融公司試點(diǎn)拉開(kāi)帷幕。目前,我國(guó)消費(fèi)金融市場(chǎng)總體發(fā)展較為平穩(wěn),業(yè)務(wù)規(guī)模穩(wěn)步擴(kuò)大,已逐漸成為我國(guó)實(shí)現(xiàn)普惠金融目標(biāo)的重要載體。但消費(fèi)金融公司仍處于起步階段,各公司都還在摸索適合自身的運(yùn)營(yíng)模式。由于市場(chǎng)競(jìng)爭(zhēng)日益激烈、金融創(chuàng)新遲緩導(dǎo)致消費(fèi)金融產(chǎn)品同質(zhì)化現(xiàn)象依舊存在,行業(yè)內(nèi)部迫切需要探索出一個(gè)成熟模式。因此,研究我國(guó)消費(fèi)金融公司運(yùn)營(yíng)模式,以期為國(guó)內(nèi)消費(fèi)金融行業(yè)提供借鑒,具有重要的現(xiàn)實(shí)意義。本文從消費(fèi)金融公司的產(chǎn)生背景及意義入手,對(duì)國(guó)內(nèi)外消費(fèi)金融公司相關(guān)文獻(xiàn)進(jìn)行了梳理,總結(jié)出目前文獻(xiàn)中的不足,在此基礎(chǔ)上界定了相關(guān)概念,對(duì)消費(fèi)金融公司的運(yùn)營(yíng)模式在產(chǎn)品服務(wù)、融資、風(fēng)控等方面進(jìn)行了簡(jiǎn)要分類。對(duì)國(guó)內(nèi)外消費(fèi)金融公司發(fā)展現(xiàn)狀及運(yùn)營(yíng)模式作出了深入比較分析,并以中郵消費(fèi)金融公司為案例,分析了該公司一季度各項(xiàng)財(cái)務(wù)數(shù)據(jù),結(jié)合公司發(fā)展戰(zhàn)略及運(yùn)營(yíng)模式特征對(duì)其進(jìn)行了現(xiàn)有模式的優(yōu)劣勢(shì)分析。根據(jù)理論分析與案例分析,本文提出我國(guó)現(xiàn)有消費(fèi)金融公司在客戶服務(wù)、產(chǎn)品服務(wù)、業(yè)務(wù)范圍、風(fēng)險(xiǎn)控制等方面具有一定的普惠性特征,但也面臨著產(chǎn)品類銀行化、資金使用成本高、居民傳統(tǒng)消費(fèi)觀念制約等困境,必須從加大政府支持力度、完善個(gè)人征信體系建設(shè)、擴(kuò)充消費(fèi)金融公司資金來(lái)源渠道等方面促進(jìn)其發(fā)展。基于此,提出了從客戶發(fā)展角度、從公司內(nèi)控角度、從自身發(fā)展角度三個(gè)方面的模式改進(jìn)建議。
[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.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F832.39

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本文編號(hào)：2304775