Service consumption Financial management focuses on automotive, education, and tourism

Behind the vigorous development of Internet finance, many platforms have gradually encountered the lack of high-quality assets, and the funds can not find suitable investment products. However, with the development of the Chinese economy and the emergence of advanced consumption habits, consumer finance will become a natural direction of development. Therefore, forP2POnline lending platforms will gradually move closer to the consumer finance sector.
Recently, a new round of "Model Bureau" will be held in Beijing by the well-known Internet financial platform Financial Fan. At that time, the latest strategy, namely "new consumer finance", will be announced, focusing on education, tourism and automobile.
The so-called "new consumer finance", also known as "consumer finance"Plus”It refers to combing the structure of the underlying assets in the consumption field by means of emerging Internet technologies, payment and data, effectively integrating the transaction elements in the subdivided industrial chain, and effectively connecting the transaction mode and transaction elements from the "transaction relationship" and "payment relationship", which is characterized by the construction of scenario finance, so as to create a new financial ecology of cross-border interconnection and essentially change the generation mode of consumer financial assets.
With the continuous improvement of technology, consumer finance is gradually showing the pace of internet-based borrowing. Due to the increasing demand for domestic credit loans, the traditional offline models (such as consumer finance companies, banks, etc.) can no longer meet the requirements. It is necessary to promote the development of credit loans, such as credit loans, for models that are easy to operate, have a wider range of communication, and have a wider coverage.
On the other hand, the regulatory authorities' requirements for Internet finance, especially online lending institutions, have been constantly improved, which is also an important driving force to encourage financial management to carry out financial business innovation and tap the consumer financial market.
according to8month24On October, the CBRC, the Ministry of Industry and Information Technology, the Ministry of Public Security and other four ministries and commissions jointly issued the Measures for the Management of Business Activities of Online Lending Information Intermediaries, which defined online lending institutions as supplements to Internet finance and guided them to serve small and micro enterprises, individual businesses, individuals and other small dispersed markets.
Based on a deep understanding of Internet finance, financial management actively responded to the requirements of regulatory authorities. Financial innovation closely focused on the real economy, especially the micro decentralized market. Consumer finance is an important part of micro decentralized services.
Finally, the financial management model will eventually complete the upgrade from consumer finance to "new consumer finance", setting an example for the online lending industry to respond to regulatory requirements and serve small and micro markets.