Chicken and egg, products and Strategies

Today, I'd like to discuss the problem of chicken and egg in this industry .
Maybe you in the risk control industry have been thinking about this philosophical problem that I have thought about countless times .
The chicken and egg here are controlled by the wind , I mean products and strategies . This is often on the table , The most discussed with several peers is the strategic decision-making and financial products in risk control, which is more important ？ There is a view that strategic decisions serve financial products , Therefore, financial products should be placed in a more important position . The bottom of financial products cannot be separated from quotas and rates , The quota and rate have selected the target customer group , So “ First of all ‘ chicken ’ Incubate the complex egg of strategic decision ”. However, another view is that if there is no financial product under strategic decision-making, it is only a ‘ chicken ’ Hatched a hollow egg . therefore , Dear friends , Do you have your opinion ？
As a person who has been engaged in risk control in the field of credit for nearly a decade, look back , I have made too many kinds of credit products and have deep experience , Financial products are very strict for the division of target customer groups , The impact of risk control strategy behind it is also huge .
There are many kinds of financial products of credit , No matter which type, there is a differentiated risk control strategy decision combined with it , After financial products have targeted the target customer group , It is necessary to formulate the matching quota and rate .
With the guidance of regulatory policy, the rate limits , It means that there is little space for the risk controller to operate . But the quota has been moving forward with the risk control strategy , The change of quota is often accompanied by the change of risk , The amount more matching with the target customer group is very important for the later repayment , If the amount exceeds the customer's repayment ability, it faces the problem of having the willingness to repay but not the ability to repay , The amount is lower than the customer's repayment ability, even if the customer has no willingness to repay, which is also very helpful for timely collection or collection . But not all customer groups have the minimum credit line , Although the risk has been reduced , But the profitability of financial products has been greatly reduced . After all, for a mature enterprise, the overall operating profit is considered , It's not just bad debt rate , For quota and profitability （ Bad debt ratio ） How to balance has become another difficulty in the overall planning of risk control strategy .
above , It's personal thinking about strategies and products . If you also know how to optimize the quota , If you are interested in how to expand the profit rules , You may wish to participate in the learning of this weekend's quota strategy tuning topic , In the course, we will share how to develop the hierarchical means of screening quota 、 How to optimize the credit line , Achieve the maximum profit of the company on the basis of risk control . Looking forward to your coming
The course covers content and cases ：
1、 How to increase credit line from profit ;
2、 Advantages and disadvantages of sharing strategic decision model and quota model ;
3、 How to plan a large-scale plan with multiple models ;
4、 How to plan the reduction plan with multiple models ;
Display of some courseware ：
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More highlights , Interested children's shoes can pay attention to ：
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~ Original article