Research On Risk Management In The Campus Consumer Finance Industry

In September 2004,GF Bank and Jincheng Credit jointly issued the first college student credit card,this move caused a huge response,marking the arrival of the campus consumer finance era.Due to the irrational development of the credit card market of college students,various social problems have been triggered.In 2009,China Banking Regulatory Commission promulgated the Notice on Further Regulating Credit Card Business.University student credit card business worsened,the new campus consumer financial instruments began to enter the market.In August 2013,the first college students phased shopping platform-set up music.The next two years,the campus consumer finance to flourish,the introduction of a variety of service models,such as Jingdong campus white as the representative of the small business loans to the elite as the representative of the network loan platform.Campus consumption finance from the production to the present experience of two stages,four business models,compared to the traditional financial industry in terms of intelligent,digital,convenient and so on.With the continuous development of the campus consumer finance industry,the importance of risk management has become increasingly prominent.The risk of campus financial industry is mainly embodied in legal risk,credit risk and technical risk.Through the study of a large number of practical cases,to understand the latest industry trends,combined with China's current macro environment,proposed to improve the campus consumer financial market regulatory mechanism to accelerate the construction of credit system and risk control and transfer of three areas,to enhance the campus consumer finance Industry's wind control capability.Then,the "fenqile" as a case,that the campus consumer financial services providers how to do risk control.The research of this paper has great practical significance,which can provide reference for the risk management of China's campus consumer finance industry to a certain extent,so as to promote the healthy development of campus consumer finance industry.