1. BOC Consumer Finance Co., Ltd. is headquartered in Shanghai, with regional centers in 27 provinces, municipalities and autonomous regions (including municipalities directly under the Central Government), and inclusive finance serves the whole country.
Financial institutions need to predict and estimate the profitability of the new Internet consumer finance business before launching it, so as to form a rough judgment on the future risks and benefits.
2.20 15 and 20 19, the company successively increased capital and shares, adhering to the century-old brand spirit and strategic guidance of Bank of China, giving full play to the strong commercial consumption scene advantages of An Baili Group, connecting the financial innovation of Lujiazui Financial Development Co., Ltd. with the resource advantages of the integrated financial holding platform, and introducing the rich experience and advanced frontier risk management concepts of BOC Hong Kong in the international consumer finance industry. Drawing on the practical management capabilities of Bode's innovative global top 500 enterprises such as strategic planning and operational governance, and Sequoia Capital's strategic investment insight based on long-term development, many years of excellent industry practice have accumulated market advantages of BOC consumer finance such as "risk control technology, financial technology, fund-raising brand, business model and management team", which has enabled BOC consumer finance to move forward in the direction of "becoming a leader in the field of consumer finance in China".
3. To add, the premise of profit calculation is to have a basic understanding of the financial products, business cooperation mode and risk sharing structure discussed in the previous article. Let me give an example to briefly explain the idea of profit measurement. For example, a bank plans to access an Internet traffic platform. The flow platform recommends borrowers for banks and charges 27% of the paid interest as the flow fee; The risk is borne by the bank.
As an Internet aborigine, no one can understand how much convenience Internet consumption and technological progress have brought to life better than young people. Consumer Finance of China Bank "Contemporary Youth Consumption Report" shows that young people's pursuit of convenience and quickness has brought a bigger market for new products and services such as take-away, fast food and mobile phone ordering. The data shows that in the past three years, the amount spent by online consumers for laziness has increased year by year, and the scale will exceed 1000 billion in 2020. In 2020, the search frequency of "lazy artifact" in June 5438+065438+ 10 exceeded 300,000 times, an increase of nearly 200% compared with last year. Among them, the online "lazy consumption" of young consumers after 90 and 95 has the fastest growth.