J消費金融公司現(xiàn)狀及未來發(fā)展對策研究
發(fā)布時間：2018-12-19 19:33
【摘要】：為配合我國政府拉動內(nèi)需,保持經(jīng)濟增長的指導(dǎo)方針,中國銀行業(yè)監(jiān)督管理委員會(以下簡稱“中國銀監(jiān)會”)于2009年8月正式發(fā)布了《消費金融公司試點管理辦法》,2010年3月,中國首批消費金融公司正式開業(yè),消費金融公司試點拉開帷幕。截止2013年2月,首批消費金融公司試點已近三年,這三年過程中,消費金融公司實現(xiàn)了業(yè)務(wù)的穩(wěn)步增長,但同時又面臨著發(fā)展的瓶頸。本文分析了消費金融行業(yè)的起源以及發(fā)達(dá)國家和地區(qū)(如美國、歐洲、香港)的先進(jìn)經(jīng)驗,總結(jié)了國內(nèi)首批試點的消費金融公司的生存和發(fā)展現(xiàn)狀,并運用戰(zhàn)略管理理論重點分析了J消費金融公司的發(fā)展現(xiàn)狀和對策。在分析過程中,運用戰(zhàn)略管理中的PEST分析模型分析了J消費金融公司的外部經(jīng)營環(huán)境,運用五力模型分析了J消費金融公司的競爭環(huán)境,然后深層次剖析了公司最近三年的總體戰(zhàn)略和競爭戰(zhàn)略,并對J消費金融公司的下一步戰(zhàn)略規(guī)劃和具體實踐提出了整體建議。 針對消費金融的研究目前在國內(nèi)屬于新興課題,由于目前大多數(shù)研究文獻(xiàn)主要側(cè)重于從宏觀政策和消費金融行業(yè)發(fā)展的層面來描述和提出問題,所提的解決方案也主要針對宏觀的政策扶持、行業(yè)規(guī)范、監(jiān)管完善、信用體系完善等方面,針對消費金融公司具體生存發(fā)展實務(wù)的研究相對較少。本文希望結(jié)合金融學(xué)、管理學(xué)理論知識和作者在消費金融行業(yè)的多年從業(yè)經(jīng)驗,從消費金融公司自身的視角,從企業(yè)微觀層面來提出問題和分析問題,從而探索消費金融公司的具體發(fā)展對策�？傮w來說,從競爭環(huán)境來看,我國消費金融行業(yè)在短期之內(nèi)不會面臨充分競爭,因此會出現(xiàn)各家爭鳴的市場格局；雖然我國個人信用體系尚不健全,普通居民的消費理念還較為保守,消費金融市場還需培育和規(guī)范,但消費金融行業(yè)仍面臨時代機遇,J消費金融公司作為國家首批試點的消費金融公司在一定程度上占據(jù)了市場的先機。J消費金融公司的發(fā)展路徑并不完美,但這也是新興業(yè)務(wù)試點期間的必經(jīng)過程。經(jīng)過三年時間的探索與發(fā)展,時間和市場已經(jīng)證明了消費金融市場的巨大潛力和消費金融公司的價值所在,同時市場也要求消費金融公司必須尋求切合自身特點的業(yè)務(wù)模式,打造自己的核心競爭力。在未來的發(fā)展中,建議J消費金融公司采取組合型的公司戰(zhàn)略和集中化的競爭戰(zhàn)略,快速擴展可以帶來較高利潤的一般用途消費貸款業(yè)務(wù),穩(wěn)定增長可以積累客戶數(shù)量和為公司長遠(yuǎn)發(fā)展奠定基礎(chǔ)的耐用消費品分期貸款業(yè)務(wù)。同時,降低對短期盈利的要求,將現(xiàn)有的利潤和資源投入到核心競爭力的打造中,建立科學(xué)完善的風(fēng)險控制體系和低成本的自動化運營模式。在戰(zhàn)略執(zhí)行過程中,密切關(guān)注宏觀環(huán)境和行業(yè)競爭趨勢,不斷調(diào)整發(fā)展戰(zhàn)略,相信在消費金融業(yè)務(wù)飛速發(fā)展的將來,J消費金融公司會迎來一個良好的發(fā)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.
【學(xué)位授予單位】：西南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.39
本文編號：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.
【學(xué)位授予單位】：西南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.39
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