Research On The Development Of Yunnan International Trust Consumer Finance Business Mode

The business transformation of trust companies is an important issue in the background of the current supply side reform.The business transformation choices made by each trust company based on its own basic conditions and strategic objectives will directly affect the overall market pattern formed in the future trust industry.As an important direction of the transformation of Yunnan trust business,the consumer financial market has effectively promoted the active management ability of the company's business operation and the operation efficiency of the system process.On the other hand,it also provides useful reference for other trust companies in the market and ideas of business transformation.However,on the whole,the current trust company's consumer finance business is still in the initial exploration stage,and the business model and transaction structure still need to be further summarized,and the advantages and existing problems of all kinds of business models need to be deeply analyzed.In view of this,this paper,based on the theory of financial innovation,trust function and positioning,uses the method of case analysis to study the development of Yunnan trust consumer finance business model,and compare,analyze and evaluate the advantages and disadvantages of various business models and hope to be a cloud.South trust's consumption and financial business mode's upgrading and iteration,as well as trust companies' exhibition and consumption financial market,will provide a useful reference.This paper mainly studies three problems: first,based on the current situation of the Yunnan trust consumer finance,and the existing consumer financial services,it combs and summarizes the types of the business model of the Yunnan trust consumer finance,and illustrates the transaction structure and the operation process of various business models in combination with specific cases.The two is to analyze the advantages,existing problems and connections of all kinds of business models,and to find out the most suitable business model for the development of Yunnan trust consumer finance by comparing and analyzing the advantages and disadvantages of various business models.The three is based on the stage of the Yunnan trust consumer finance business model,and analyzes the reasons for restricting itsbusiness model iterative upgrading,and puts forward some pertinent suggestions on these issues.The article holds that: first,the model of Yunnan trust consumer finance business can be summed up as four types of things management,wholesale financing,loan assistance and specialization,but the maturity of professional business model is not high at present,and the focus of the existing business model of Yunnan trust is biased toward the loan type business model.Two,the "platform + data" business model in the professional business model is the best choice for the Yunnan trust consumer financial business model,but the realization of this model needs the long-term accumulation of the first three types of business models,especially the loan assistance business model.Three is the current Yunnan trust of the things management,wholesale financing,loan assistance business models are from the borrower default,partner violations,competitors catch up,capital supply tighter,policy regulation and other aspects of the risk,in view of these risks,this paper believes that the Yunnan trust can be selected from the basic assets,The cooperation partner screening,the expansion of funds channel and the fine system flow are four aspects to accelerate the development of the loan from the loan service model to the professional business model.