SN Consumer Finance Co.,Ltd. Comprehensive Competitiveness Improvement Measures

Consumer financial products are one of the most important innovative achievements in modern financial industry.They can not only enhance the purchasing power of consumers,meet consumer demand,but also improve the product structure of financial institutions themselves and increase the source of profits of enterprises.As a result,more and more enterprises are turning their eyes to the consumer financial market in the hope of gaining a share from this emerging market.However,the development of China's consumer finance industry started late and lacked relevant experience,which led to the serious homogeneity of enterprises.Therefore,it is urgent for enterprises to enhance their comprehensive competitiveness and stand out in the fierce market competition.This paper takes SN Consumption Finance Company as the research object.On the one hand,through the analysis of the industry competition pattern and its main resources and capabilities,we can find out the constraints and problems of the company's comprehensive competitiveness.On the other hand,through the analysis of different enterprises at home and abroad,we can learn from many advantages.Finally,using the relevant theories of management,finance,economics and personal experience,this paper analyses the problems of the lack of competitiveness in the development of the company,and finds that the company has some problems,such as weak product development ability,low efficiency of loan auditing,relative lack of wind control ability,high human cost and lack of operational experience.The countermeasures and suggestions to enhance the company's comprehensive competitiveness are put forward,including combining the Internet,developing financial science and technology,accelerating innovation,digging deep channels for customers,strengthening personnel training and reserve,and strengthening risk control and prevention,so as to promote the company's own management,operation,business and product innovation in the future development,and enhance the enterprise's comprehensive competitiveness in many ways.It has certain advantages in the fierce competitive environment.It is of great practical significance to enhance the comprehensive competitiveness of enterprises.