Research On Competitive Strategy Of Nanjing Xuexin Business Consulting Co., Ltd

In recent years,individual consuming business has rapidly increased in our country.It has initially formed a consumer loans system,including marriage, decoration,ravel, education and comprehensive consuming loans.Besides the existing four consumer finance companies,other major banks also have increased investment in individual consuming loans. Since the ’new 36 guidelines’,issued by the State Council,is encouraging private capitals to enter financial field,there has been more and more P2P financing platforms. Moreover,some of them have given their attention to the enormous demand of individual consumer loans. Nanjing Xuexin Business Consultation CO.,Ltd (Nanjing Xuexin for short) provides such a platform,which only offers loan to education training. The customers can solve their funding gap on personal education by installments. Nanjing Xuexin hopes that every single person who is eager to be educated and trained can realize his dream of "Study changes fate while credit leads to the achievement of life" by his solid credit.This article firstly definitizes the importance of the theory of enterprise strategy and strategic decisions. Secondly,it discusses and analyzes the development strategy of Nanjing Xuexin,the analysis object. It is finally determined that adopting the differentiation and centralization strategy is the accurate competitive strategy which conforms with the current capacity and the external opportunities by using the knowledge of business management and Michael Porter’s Five Forces Model and SWOT Analysis. With the establishment of the strategic objectives,the design and adjustment of the strategies that direct against the products, prices and distribution channels will contribute to the implement and control of corporate strategy,and also will offer a meaningful reference to make Nanjing Xuexin a major company offering installments to domestic education and training industry.This article has chosen the development strategy of Nanjing Xuexin as the research content. The author hopes that he can do something for the sustainable health development of the industry of P2P credit and installments of education and training. The research conclusions of this article comes from a start-up P2P company. Sincerely hope that it can provide reference to strategic choices and adjustment for the same domestic industry and other start-up companies.