Research On The Transformation Of Credit Business Of Mirco-credit Companies

Micro-credit companies play an important role in China's economic development,especially in the current period of economic transformation in China,a large number of small,medium and micro enterprises need to achieve development,so there is an urgent need for capital.However,due to the economic transformation,the development of China's small loan companies has also brought a certain impact,to achieve sustainable development,small loan companies must think about business transformation.In view of this,this paper takes H microcredit company as a case study to explore how Chin a's microcredit companies conduct business transformation in the context of economic transformation,so as to achieve sustainable development.The first chapter is the introduction,which mainly elaborates the research background,significance,thoughts,contents,methods,technical routes and innovations of this paper.The second chapter is the theoretical basis,mainly describes the definition and characteristics of small loan companies,as well as the development history,but also describes the relevant theoretical basis,involving the theory of credit rationing,financial theory and information asymmetry theory;Chapter three is the development status of H microfinance companies,mainly including the basic situation of H microfinance companies,business situation analysis,and resource and capacity analysis.Then PEST analysis is used to analyze the environment of business transformation,and SWOT model is used to analyze the opportunities and threats in business transformation.The fourth chapter is the business transformation analysis of H microcredit company.It USES porter's five forces model to analyze the competition faced by the business transformation.In addition to understanding the environment and the development of competitors,it also has a clearer understanding of itself and a better business transformation strategy to achieve sustainable development.The fifth chapter is H microfinance company business transformation strategy,according to the above PEST and SWOT and porter five model analysis conclusion,to develop targeted H small loan company's business transformation strategy,including H microfinance company business transformation goal and task,select and develop,etc.,and limiting factors of business transformation is analyzed;Chapter six is the implementati on suggestion of business transformation strategy of H microcredit company.It puts forward a series of Suggestions on the implementation of business transformation strategy and analyzes the safeguard measures for the implementation suggestion.Chapter 7 is the conclusion and prospect,including the main conclusion,strategies and countermeasures for promoting the business transformation of H microfinance companies,as well as the deficiencies and prospects.By H research the present situation and problems of small loan company's business,on the face of the policy environment,economic environment,social environment and technical environment were analyzed,and then combed the H small loan company's strengths and weaknesses,and its competitiveness and analyzes the competition situation,this paper puts forward the countermeasures H small loans business transformation,the company's business mainly include H microcredit transformation to fully combined with Internet technology,through the big data and cloud computing technology to improve the marketing effect of business,improve risk management ability,realize the business of health to develop;It is necessary to promote the development of credit business in combination with e-commerce,and implement the idea of "decentralization and small-amount" of small-amount loans.We can cooperate with entrepreneurial intermediary agencies to provide financial services for start-ups,so as to provide all-round services to customers.At the same time,we can effectively utilize customer resources and reduce customer acquisition costs.Adopt the method of combining industry and finance to find the new direction of business development.In terms of safeguard measures,H microcredit company should guarantee the business transformation strategy from the strategic management level,management level and business operation level of the company.