Apr 12, 2022
In Welcome to the Forum
and risk control systems for grass-roots businesses will become a rigid criterion for consumer finance companies. Here, Chuangqi summarizes the following suggestions for consumer finance practitioners: (1) Industrial chain coordination, online and offline integration Online channels have the advantages of automation and low cost, but lack sufficient penetration into scenarios, while offline channels are rooted in scenarios but have high operating costs. Infiltrating through offline channels and operating online, the combination of the two will be the future development direction. (2) Small-amount monetization, large-amount scene-based With the subdivision of the consumer finance industry, users pay more attention to experience, and consumer finance providers pay more attention to risks. "Small monetization" facilitates the flow of consumers' funds out of the scene. "Large-amount scene-based" appears in the fields of large-amount loans such as home improvement and sms marketing service weddings, which is convenient for enterprises to control risks. (3) Be alert to the collapse of consumer finance Be wary of a surge in non-performing loan ratios. Problems such as insufficient risk control and consumers' "credit-baiting" will greatly increase the industry's "bad debt rate". Judging from the history and trends of international development such as the United States, Japan and South Korea, when consumer finance explodes with economic growth, credit card and credit balances will also explode. When there is a high probability of industry collapse, my country is currently far from a dangerous level, but it is developing rapidly and should be vigilant in time. Author: Qiqi, senior data analyst of Chuangqi Technology (public account Chuangqi Research Institute) This article was originally published by @ChuangqiData. Everyone is a product manager. Reprinting is prohibited without permission.