Consumer financial products observation the overall homogenization phenomenon is obvious-clazziquai

Observation of consumer financial products: the overall homogenization phenomenon is quite obvious Sina fund exposure table: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? Click on [I want to complain], Sina help you expose them! Reporter Xie Shuiwang Shanghai reported consumer finance market is ruguojiangzhiji. After the introduction of net loan regulatory measures, the P2P platform has transformed consumer finance, but also increased the "hot" consumer financial market". At present, the consumer financial market participants including financial institutions within the system of commercial banks, Consumer Finance Companies, auto finance companies, including Internet financial institutions within the system of electricity consumption, P2P financial platform, the Internet platform stage. So, what are the consumer financial products currently on the market? How do institutions and customers evaluate these products? What is the trend of future products? The homogenization phenomenon is obvious in twenty-first Century Economic Herald reporter learned that the commercial bank financial products to consumer credit card, unsecured unsecured loans, the Consumer Finance Companies to cash loans (including unsecured unsecured loans, mortgage loans and consumer installment), the consumer financial institutions are actively exploring the Internet consumer financial products. Overall, the homogenization phenomenon is quite obvious. A bank consumer finance business told reporters in twenty-first Century economic report, cash loans and consumer installment is the two most common consumer financial products, cash loan amount of up to 200 thousand yuan, the consumption stage refers to the customers in the consumer financial institutions store merchants buy goods or services, apply for personal loans, apply for consumer installment and by the financial consumer agency for customer payments to merchants, customers directly enjoy the goods or services of products; there are also some innovative products, such as consumer trust, consumer credit insurance, but the proportion is very small. So, how to evaluate a consumer financial products? Which consumer financial products are more popular? In this regard, the Nanjing consumer banking center general manager Zhang Weinian told reporters: "the twenty-first Century economic report mechanism of consumer financial products have the opportunity and potential, need time to test, from the institutional perspective, we will see the comprehensive customer experience, technical risk and profit model." A number of the financial consumer agency official said, according to the price, amount, timeliness, convenience, target customers, promotion and other factors analysis and evaluation of a consumer financial products, in general, price and convenience is the most important factor. The consumer banking business said, according to the general mechanism of capital cost, operating cost, risk cost indicators such as pricing, capital cost is relatively low, so the product rate is relatively low, the product quality customers, the bank interest rate is the lowest for 5.88%, consumption of newly established financial institutions may through the price war grab the market. However, in her opinion, for premium customers, market agencies pricing difference, in fact also is not too sensitive to the customer, so the customer experience has become more and more important factor. The convenience of online products to improve the convenience of consumer financial products

消费金融产品观察:总体同质化现象颇为明显 新浪基金曝光台:信披滞后虚假宣传,业绩长期低于同类产品,买基金被坑怎么办?点击【我要投诉】,新浪帮你曝光他们!   本报记者 谢水旺 上海报道   消费金融市场主体已如过江之鲫。   网贷监管办法出台后,P2P平台纷纷转型消费金融,更增加了消费金融市场的“火热”。   目前,消费金融市场的参与者既包括金融机构体系内的商业银行、消费金融公司、汽车金融公司,还包括互联网类金融机构体系内的电商消费金融、P2P平台、互联网分期平台。   那么,目前市场上都有哪些消费金融产品?机构和客户又是如何评价这些产品?未来产品的趋势又是什么?   同质化现象明显   21世纪经济报道记者采访了解到,商业银行消费金融产品以信用卡、无抵押无担保贷款为主,消费金融公司等则以现金贷(包括无抵押无担保贷款、抵押消费贷款)和消费分期为主,各家消费金融机构也在积极探索互联网消费金融产品,总体来说,同质化现象颇为明显。   一家银行消费金融业务人士告诉21世纪经济报道记者,现金贷和消费分期是最常见的两种消费金融产品,现金贷额度最高达20万元,消费分期即指客户在消费金融机构合作商户店面购买商品或服务时,通过申请个人贷款、办理消费分期,由消费金融机构替客户将费用支付给商户,客户直接享受商品或服务的产品;也有一些创新的产品,比如消费信托、消费信用保险等,但是占比很小。   那么,如何评价一款消费金融产品呢?哪款消费金融产品更受青睐呢?   对此,南京银行消费金融中心总经理张伟年告诉21世纪经济报道记者:“各机构消费金融产品都有机会和潜力,需要时间检验,从机构角度来看,我们会综合看客户体验、风险技术和盈利模式。”   多家消费金融机构人士表示,可以根据定价、额度、时效、便捷性、目标客群、宣传推广等因素分析和评价一款消费金融产品,总体来说,定价和便捷性是最主要的因素。   上述银行消费金融业务人士表示,机构一般根据资金成本、运营成本、风险成本等指标定价,银行资金成本相对较低,因此产品利率也相对较低,针对优质客户,其所在银行的产品年利率最低为5.88%,新成立的消费金融机构可能会通过价格战,抢夺市场。   不过,在她看来,针对优质客户,市场上各机构定价差别不大,实际上客户也并不太敏感,因此,客户体验越来越成为重要因素。   线上产品成趋势   为提升消费金融产品的便捷性和改善客户体验,各家消费金融机构都在积极探索互联网消费金融产品。   比如,在金融机构体系内的持牌消费金融公司中,中银消费金融、兴业消费金融、招联消费金融等都有专门的互联网消费金融产品,客户可以在线申请贷款。   南京银行消费金融中心也在探索互联网消费金融,不过,张伟年表示:“线上是方向,必须要去推进,但前提是技术到位,如果牺牲风控,即使流程快、体验好,也不是成功的模式。”   相比传统金融机构,互联网类金融机构在发展互联网消费金融上具有先天优势。   2016年上半年,南京银行消费金融中心撰写了《中国消费金融市场-机遇与挑战》,报告披露了互联网类金融机构的消费金融市场份额,2015年年末,电商消费金融占57.7%,网络分期平台占22.8%,P2P平台占17.9%。   上述银行消费金融业务人士表示,消费金融机构在渠道、场景双向渗透,消费场景非常重要,电商在这方面具有先天优势,而且还有海量客户、大数据风控等,不过只能做一些小额度的业务。   马上消费金融最新调研报告显示,目前,除了银行之外,很多新型的互联网金融企业也推出循环额度产品,即客户在最高限额内分次、循环地使用贷款,到期后一并归还或提前分次归还。其称,有94.21%的消费者愿意使用这种产品,而在没有信用卡的人群当中90后占52.79%,超过半数。   一家消费金融公司人士认为,这种产品类似虚拟信用卡,将对实体信用卡形成冲击。   上述银行消费金融业务人士则认为,全线上、无纸化、快速出审批结果、及时放款、随借随还、循环额度的产品将会受到客户青睐,也是未来趋势,比如蚂蚁花呗、京东白条等,不过这要求机构具有完善的风控技术。 进入【新浪财经股吧】讨论相关的主题文章: