Product Design Of Automotive Aftermarket Consuming Trust

With the development of the domestic financial market, China’s trust industry hits its bottlenecks. Since the consuming trust with internet and inclusive finance traits emerged, consuming trust products have appeared constantly in the markets. However, in the domestic academic circle, the study of consuming trust products is scarce. It can’t be denied that as an important role of business transforming of the trust industry, the study of consuming trust is necessary and urgently needed. On the other hand, along with the development of the auto industry, automobile aftermarket industry in China also encounters the problems such as the industry consolidation and channel reformation at present stage. Based on this, this article has a deep research in how to use the consuming trust to help automobile aftermarket industry reach the goal of industry consolidation and channel reformation, which results in a specific automotive aftermarket consuming trust product design with related profit and risk analysis.In this paper, we analyzes the principle, function, role, the basic elements of product design, and the model of the consuming trust. In the analysis of the model of the consuming trust., we can divide the products into three categories through the product structure of consuming trust——single trust, collective trust and consuming trust internet platform, as comparative analysis is done with real examples. In the chapter of concrete product design, this paper chooses L Corporation, which have both traditional auto parts business and automobile aftermarket electric business platform, to help make a financial service solution., for instance, design a more typical, easy-to -use, lawful and compliant consuming trust products. A physical structure project design is presented after description of the target market selection and the product’s position. And by the two kinds of factors (the external economic environment factors and the characteristics of the product itself factors) that affect the trust expected rate of return of the products. In addition, on the basis of the financial characteristics of L Corporation, we also adopted the way of account receivable mortgage to help risk control, and by comparing with other products we clarify the advantages of the product.