Xiaojin licensed army launches epidemic against anti Japanese War
Offline scene: partial stagnation
Li Gang (pseudonym) is the business director of a travel company in Yunnan. He sighed three times about the impact of the epidemic. In order to meet the peak tourism season, his company invested huge costs through bank loans and other financial channels, including early publicity, prepaid expenses of transportation hotels, etc., which originally wanted to do a big job, but what he didnt expect was a devastating blow. According to him, at present, the company has paid tens of millions of yuan for the liquidated damages, hotel transportation prepaid expenses, employee wages plus rent caused by the companys persuading customers. Judging from the current situation, there is still a large amount of compensation on the way..
Li Gangs company is not alone. In fact, it is very difficult for most tourism companies to overcome this difficulty. Some practitioners have no choice but to say: we have only one job to do now, which is to apply for cancellation procedures.
Under the epidemic, offline retail industry is also suffering. The reporter of Beijing business daily tried to contact and interview several mobile phone retail stores by stages, but most of the stores were closed, and the business personnel could not be contacted by calling. Among them, a salesman who has been engaged in digital promotion by stages for a long time told reporters that, affected by the epidemic, he has stopped doing this business and plans to seek another life.
The dramatic changes of offline scenarios will also have a predictable impact on the consumer finance industry. A licensed consumer finance executive who did not want to be named also admitted that the offline installment business of the company has been stagnant at present, and the only thing the company can do at present is to coordinate and communicate the stock business.
Zhao Guoqing, founder and CEO of consumer finance immediately, also pointed out in an interview with Beijing Business Daily that in the short term, the overall consumption is in a weak state. In this epidemic, offline real consumption, such as catering, travel, food retail, etc., are affected, and everyone has no power to consume, so there is no doubt that the volume of offline consumer financial transactions of institutions will decline..
The industrial chain of consumer finance is closely linked. Under the influence of the epidemic, the borrowers repayment convenience is affected, a series of post loan management measures are limited, coupled with the borrowers income, liabilities and expectations and other factors, which do not exclude some borrowers from taking this opportunity to evade and abandon debts, thus promoting the overall non-performing rate of the whole industry.
In fact, many licensed players in the consumer finance industry have a deep understanding of the failure of offline business, the test of post loan management, and the rising non-performing rate of the industry. In an interview with Beijing business daily, the person in charge of China post consumer finance also said frankly that the epidemic will bring challenges to consumer financial institutions, in addition to the business and operation level, but more challenges to risk control and management capabilities. In the short term, the epidemic is bound to bring certain adverse effects to the consumer financial enterprises that rely more on scenario operation.
The epidemic has brought a greater test to the consumer finance industry as a whole. However, because each consumer financial institutions online and offline business focuses are different, the impact is not the same.
Xu Xiang, a researcher at China Institute of economic thought and practice, Tsinghua University, told Beijing Business Daily that the negative impact of the epidemic on consumer financial services that rely on offline scenarios should be the biggest since the development of Chinas consumer financial market. The impact on online scenes is mainly related to consumption content, and generally, it is also the most negative impact. It can be predicted that the epidemic may eliminate some informal platforms that rely on offline scenarios, while the impact on licensed consumer financial institutions is mainly the decrease of loan balance and the rise of operating costs.
Transfer online: privacy, security and other guarantees become challenges
It is worth noting that after the impact of the offline scenario under the influence of the epidemic, the consumer finance industry also places higher expectations on online business. Many insiders interviewed by Beijing business daily pointed out that the impact of the epidemic on the consumer finance industry is temporary. Although offline business is limited, online business may still maintain a certain growth. In the long run, the development trend of the consumer finance industry will not change.
Wang Lin (pseudonym), a consumer finance practitioner, told Beijing Business Daily that his company is currently planning how to move its offline business online. In addition to focusing on the online business line, the office, communication and coordination are all conducted online.
At present, our company has begun to make full use of the Internet and cloud functions to carry out business, a senior licensed consumer finance executive who did not want to be named told Beijing business daily. On the basis of epidemic prevention and control as the main task, we should do a good job in stock business, and coordinate the work of institutional docking, post loan means, risk control measures, etc.
Beijing Business Daily reporter learned that at present, many licensed consumer finance companies, including instant consumer finance, China post consumer finance, Shanxi Merchants consumer finance, Haier consumer finance and so on, have launched online office strategies.
However, many organizations also found some difficulties in the process of office work in the water test online exhibition industry. Reporters from Beijing business daily have learned from many sources that how to ensure employees behavior, privacy and network security through online office, and whether their own technological strength can keep up with them are a series of problems that need to be solved. It is reported that at present, all industries in the country are working on the water trial line, many software are in a state of collapse, and even some enterprises have been attacked by network viruses.
In this regard, the consumer finance side said that at present, the remote intelligent office mode has been opened, on the one hand, it can resist external hacker attacks, and effectively shield the customer information that employees can contact, prevent user information leakage, and ensure information security. On the other hand, it can identify suspicious behaviors of employees through intelligent quality inspection, monitor employees behaviors in real time, and give consideration to customer service and epidemic prevention and control.
The simultaneous expansion of online scenes and some effective online measures of the industry will offset the negative impact of some offline scenes, as well as a series of national measures in epidemic control and economic support, so I am still optimistic about the overall trend of the consumer finance industry in the future. The former head of China post consumer finance said to the reporter of Beijing business daily.
Despite the impact of the epidemic, the confidence of consumer finance practitioners remains unchanged, and they are generally optimistic about the development of the industry. Zhao Guoqing also pointed out that in the long run, the development trend of consumer finance industry will not change, and the trade will gradually migrate from offline to online, and online may still maintain a certain growth.
The key to breaking the situation: improving the strength of science and technology
Under the dual influence of the test and opportunity brought by the epidemic situation, scientific and technological strength is becoming an important support to ensure the efficient operation of the financial industry. As a financial institution, how to create value while preventing and controlling the epidemic in the critical period of epidemic prevention and control has also become a key concern of the consumer finance industry.
It is agreed in the industry that under the long-term favorable situation of the industry, financial institutions with closed-loop ability and strong scientific and technological strength will be repaired faster in adversity, while some institutions with poor profitability and dependence on offline scenarios will be affected by the epidemic and fall out of the team in the overall industry development.
According to Su Xiaorui, a senior researcher of sack Research Institute, the key gap of epidemic prevention and control is mainly the problem of loan in stock business and post loan business. At present, many banks and credit card centers have taken measures such as suspending collection and preferential rates for specific groups during the epidemic. From the perspective of institutions, these reasonable needs should be identified. For those who do have specific difficulties, humanitarian assistance should be given to tide over the difficulties; for those who attempt to fish in troubled waters, appropriate means should be taken to early warning and identification.
Xu Xiang pointed out that, firstly, consumer financial institutions should carry out epidemic prevention in strict accordance with national regulations, complete all work online as much as possible, accelerate the digitalization and networking of various service processes of consumer finance, improve the digital operation ability, and ensure that all links of housing loan, risk control and loan collection can be completed online in such cases; secondly, risk control should be improved The ability, especially the ability to deal with sudden systemic risk events, should be fully aware of the social responsibility of the enterprise, and help the country and the government to fight against the epidemic and give back to the society through delayed repayment, social donation and other channels within their capabilities.
Many practitioners also predict that after the outbreak, the Internet consumption scenario in the consumer finance industry will become more prominent, and institutions online business capabilities and scientific and technological exploration will be paid more attention. In the future, the consumer finance industry will strengthen its offline anti risk capabilities, and it is believed that each institution will also provide corresponding characteristic measures according to its own business characteristics. As the above-mentioned person in charge of China post consumer finance said, next, it is more to test the scientific and technological strength of enterprises, and the diversified development advantages of technology and artificial intelligence will be fully reflected in this epidemic. How to ensure the stable operation of infrastructure during the epidemic period and protect the rights and interests of customers to the greatest extent will be the key to win. . Source: responsible editor of Beijing Business Daily: Chen Hequn ufe63 nb12679
Many practitioners also predict that after the outbreak, the Internet consumption scenario in the consumer finance industry will become more prominent, and institutions online business capabilities and scientific and technological exploration will be paid more attention. In the future, the consumer finance industry will strengthen its offline anti risk capabilities, and it is believed that each institution will also provide corresponding characteristic measures according to its own business characteristics.
As the above-mentioned person in charge of China post consumer finance said, next, it is more to test the scientific and technological strength of enterprises, and the diversified development advantages of technology and artificial intelligence will be fully reflected in this epidemic. How to ensure the stable operation of infrastructure during the epidemic period and protect the rights and interests of customers to the greatest extent will be the key to win. .