The Research On The Development Patterns Of Credit Guarantee To Buy Phone

Smart phone in recent years,with the continuous growth of the economy,people’s living standards continue to improve,and constantly upgrade the structure of consumption,smart phones gradually popularize ordinary residents.Data show that in2012,China’s mobile phone sales reached 266 million units,in 2013,China’s mobile phone sales reached 390 million units,the first quarter of 2014,China’s mobile phone sales reached 411 million units.2016 domestic mobile phone market shipments of 560 million,an increase of 8%.Among them,the domestic brands of mobile phone shipments accounted for 88.9%;new models accounted for 95.5%,is expected in2020,China’s mobile phone shipments will reach 660 million.Thus,although China’s mobile phone industry started late,but in recent years has entered a period of rapid development,the corresponding mobile phone consumption staging business has also been rapid development.However,due to the imperfect and imperfect risk management of mobile phone installment companies,the nonperforming loan ratio is at a high level,which affects the stable development of mobile phone staging companies.In this paper,China Ping An personal credit guarantee business as the object of study,the company’s staging,business development and risk management status.First of all,this paper sorts and summarizes the relevant theoretical basis and research status,then analyzes the company’s situation,the company’s stage,business profile,and the status of risk management.Ping An Property Insurance in China is the first comprehensive financial service group with insurance as the core,integrating financial services such as securities,trust,banking,asset management,enterprise annuity and so on.The company was founded in 1988 and is headquartered in Shenzhen.Business areas across the country,with 35 of two institutions in various provinces and autonomous regions in China,more than1100 business outlets;in addition,nearly 400 of the city is still the world’s 150 countries and regions set up a survey agency network,established business relations with China,Munich and Switzerland more than 160 domestic and foreign insurancecompanies,ceded company.In 2015,the company began to carry out mobile phone staging business.It has gone through four stages,namely,budding stage,expanding market,extensive management and meticulous management.It belongs to the company that has risen in the field of personal credit purchase.Company credit purchase business operators according to customer requirements and design,mainly includes the operator calls into products,personal products bare stage.The purpose of this paper is to study the current purchase mode of Ping An personal credit guarantee,analyze the core advantages of this business,study the main points of the risk control and the optimization of the promotion mode of the business model.