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2010年以来,消费金融公司、一部分电商企业以及P2P平台等相继进入消费贷款领域,“次级”类客户逐步成为其布局重点。被银行业“抛弃”的校园信贷市场成为消费金融新玩家的必争之地。本文主要分析这些新玩家的不同之处,可能存在的风险点,在此基础上提出相应的建议。2014年以来,个体网络借贷(P2P)平台、分期公司和专业消费金融公司纷纷加大对校园信贷市场的挖掘,带来校园信贷市场的快速发展。回顾历史,2003年的韩国,因为广泛向没有固定收入的家庭主妇和未成年人发信用卡,造成消费
Since 2010, consumer finance companies, some e-commerce enterprises and P2P platforms have successively entered the field of consumer loans, and “sub-class” customers have gradually become the focus of their layout. The banking credit market, abandoned by the banking industry, has become a battleground for new consumer finance players. This article mainly analyzes the differences between these new players, the possible risk points, and puts forward corresponding suggestions on this basis. Since 2014, the P2P platform, the staging companies and the professional consumer finance companies have stepped up their efforts in mining the campus credit market and brought about the rapid development of the campus credit market. In retrospect, in 2003, South Korea caused widespread consumer spending by sending credit cards to housewives and minors without fixed income