Research On The Innovation Of Commercial Credit System In Commercial Banks

It is the best time for banks to scale up the development of consumer credit.From the bank to develop consumer credit environment,consumer finance blue ocean after years of cultivation and finally usher in the outbreak period.Internet business as the representative of the Internet business is the barbaric Nuggets consumer finance,credit business will also be to the automotive,tourism,decoration and other vertical consumer industry to expand,in innovation and guide the new consumer credit market,but also quickly eroded the traditional bank consumer loan market The For the commercial banks,the scale of the development of consumer credit road changes:from the external impact of view,based on the development of Internet technology,large data application of the innovative model of traditional commercial banks consumer credit business disruptive impact;,The rapid growth slowdown,the profit model changes,the risk pressure increases,the competitive landscape reshapes the current commercial banks to face the "new normal",the bank credit risk prevention and control continues to increase at the same time,the traditional credit model can not meet the Internet consumption,Bright,fast requirements.Therefore,in the context of the Internet commercial bank credit model changes is imperative.On the basis of the research on consumer credit model of commercial banks,this paper analyzes the present situation of QS bank's consumer credit business,and concludes that the current QS bank's consumer credit business is mainly accepted.Low efficiency,unreasonable pricing,time,regional restrictions on business development and other issues,and the reasons for these problems is mainly the traditional mode of operation to control the scale of development,the concept of heavy security prevails,the traditional wind control concept can not effectively prevent risks,Do not pay attention to customer experience.In the context of the Internet,the Internet consumer credit has to adapt to the new consumer finance development strategy,the use of Internet technology to help process reengineering,is conducive to improving the quality of the credit team can be based on large data proposed automation decision engine comparative advantage,and Internet consumer credit Business mainly Internet consumption and 020 consumption of financial two models,after comparison,this paper believes that QS banks should choose the Internet consumer finance model as the next step in the consumer credit business optimization path.Finally,according to the design goal and design principle,this paper puts forward the optimal design of QS Bank's consumer credit business under the Internet background from the four aspects of process,customer,product and wind control,and expounds its performance.