The Operating Model Of Internet Consumer Financial Products

With the booming development of China's Internet industry market,Internet Consumer Finance as a new type of financial service mode for fund providers to provide consumer loans through Internet media,encourage consumption in national macroeconomic policies?the improvement of residents' consumption power and the upgrading of consumption concept,many market players have entered the field of Internet consumer finance,making Internet consumer finance show explosive growth,especially the participation of e-commerce platforms,the Internet consumer financial products represented by Jing Dong IOUs and Ants are based on the unique advantages of their e-commerce attributes,with the low threshold?convenient operation and low transaction cost,it has become the main form of payment for the new generation of young consumer users,rapidly occupy the Internet consumer finance market,become a new trend in the development of Internet consumer finance.Internet consumer finance has gradually become the main force of consumer finance,greatly promote the development of financial markets.This article is based on the development of fast Internet consumer finance in recent years,from the perspective of the operating mode of the product,take " Jing Dong IOUs " this product as a specific analysis case.First of all,to sort out relevant literature at home and abroad,and clearly defined the concept of Internet consumer finance and products,through the elaboration of the theoretical basis,defining the orientation of the analysis direction of Jing Dong IOUs operation mode.Secondly,analyze the current status of the operation mode of Internet consumer financial products,and compare with traditional consumer financial products,analyze the connections and differences between suppliers' products,according to the comparison,we find that the future development trend of Internet consumer finance,for the comparative analysis of the following text lays a solid foundation.A detailed analysis was made through the horizontal aspects of product service?financing and risk management,exploring the advantages and problems of Jing Dong IOUs from the internal level of the product,Verifies its uniqueness in operating mode,it also raises the issues that need to be solved urgently.Finally,it summarizes the existing product homogenization of JD?high financing costs and risk management barriers,and put forward targeted solutions and recommendations.Based on the above analysis,the Internet consumer finance supply should pay attention to the improvement of the product itself.From the internal environment,it is necessary to increase the expansion of consumption scenarios beyond the e-commerce ecosystem?improve the single source of data?reduce the cost of financing channels and improve the level of risk control.The external environment needs to guide consumers to gradually establish correct consumption concepts in the market,meeting increasingly diverse consumer needs,at the same time,it is necessary to avoid causing excessive debt to consumers.Theoretical and empirical analysis can make the development of Internet consumer financial products better close to market demand,promote relevant departments to timely formulate laws,regulations and policies related to Internet consumer finance,proposing reasonable suggestions for the future development of Internet consumer financial products,provide a good foundation for the social environment,this move has played a pivotal role in whether Internet consumer finance products can form a good development trend.