Design Of Consumer Loan For College Students

In recent years,diversified Internet financial products have satisfied college students’ various choices of financial products,which not only solve their consumption needs,but also give rise to many illegal problems.In response,the relevant departments issued the Notice on Further Strengthening the Standardized management of campus loans,encouraging commercial Banks to successively launch the pilot business of college student loans in various places,which provides new opportunities for commercial Banks to open the market of college students.This paper aims to design a consumer loan product for college students from the perspective of commercial Banks based on the problems college students face in financial products.At the same time,with the help of the implementation of such products,college students can better attach importance to and cultivate correct financial and consumption awareness.This paper is carried out in accordance with the requirements of financial product design.Firstly,after studying the relevant background and significance,this paper combs the domestic and foreign literature,based on the theoretical knowledge and the experience of domestic and foreign products,a specific product design scheme is given.In this paper,research methods are mainly literature analysis,summarized method,comparison analytic method,questionnaire method,etc.,the main purpose of the questionnaire is to understand college students’ use of credit products,and improve product design according to the results of the actual survey,the survey content mainly includes: the basic condition of the students,daily consumption,on borrowing products and related issues of future new products,etc.The main contribution of this paper is to design a consumer loan product for college students on the basis of previous scholars’ research and actual investigation results.(1)Three alternative forms of guarantee are provided;(2)Introduce schools as the main product participating institutions;(3)According to different guarantee mode and consumption pattern of the different,set four products use process;(4)Combined with the cash flow characteristics of college students,set up a new way of repayment.