Pricing Mechanism and Risk Prevention of Consumer Finance Installment Products under the Framework of Commercial Law

Dongran Yu

doi:10.47297/wspdecWSP2515-797304.20250911

PDF
Export
Share
Collection
Album

Pricing Mechanism and Risk Prevention of Consumer Finance Installment Products under the Framework of Commercial Law

Volume 9, Issue 11

Views: 0 Downloads: 1

Pricing Mechanism and Risk Prevention of Consumer Finance Installment Products under the Framework of Commercial Law
Pricing Mechanism and Risk Prevention of Consumer Finance Installment Products under the Framework of Commercial Law
Environmental Science and Engineering, Zhuhai Campus of Beijing Normal University, Zhuhai, Guangdong, 519000, China
Vol. 9, Issue 11, Pages: 18-24(2025)
Published：30 November 2025
DOI：10.47297/wspdecWSP2515-797304.20250911
Accepted：

Scan QR Code

Yu Dongran.Pricing Mechanism and Risk Prevention of Consumer Finance Installment Products under the Framework of Commercial Law[J].Development Economics of China,2025,09(11):18-24.
DOI：

Yu Dongran.Pricing Mechanism and Risk Prevention of Consumer Finance Installment Products under the Framework of Commercial Law[J].Development Economics of China,2025,09(11):18-24. DOI： 10.47297/wspdecWSP2515-797304.20250911.

摘要

Abstract

Against the backdrop of the vigorous development of the consumer finance market

consumer finance installment products

as important tools to meet the diverse needs of consumers

have made their pricing mechanism and risk prevention key issues. This paper explores the pricing mechanism of consumer finance installment products under the framework of commercial law

and analyzes the implementation effect and optimization direction of the differential pricing strategy. It elaborates on risk prevention measures in the pre-loan

in-loan

and post-loan links

including customer qualification review

anti-fraud mechanisms

dynamic monitoring and early warning

and intelligent collection systems

and puts forward suggestions for strengthening compliance risk management. Through case analysis

the effectiveness of the pricing mechanism and risk prevention measures is verified

and the existing problems and improvement directions are pointed out. A reasonable pricing mechanism and a comprehensive risk prevention system are the cornerstones for the steady development of consumer finance installment products.

关键词

Keywords

references

Jiang Dawei . Research on the Strategy of Improving Customer Satisfaction of Z Internet Consumer Finance Company [D ] . Xi'an University of Architecture and Technology , 2024 .

Li Jie . Research on the Offline Product Marketing Strategy of J Consumer Finance Company [D ] . Xi'an University of Technology , 2023 .

Ran Jie . Research on the Improvement of Marketing Strategy of X Consumer Finance Company [D ] . Chongqing University , 2023 .

Wang Xin . Research on the Marketing Strategy of HC Consumer Finance Installment E-commerce Platform [D ] . Hebei University of Technology , 2023 .

Chen Feifei . Research on Product Risk of X Consumer Finance Company [D ] . Beijing Jiaotong University , 2021 .

Wang Qing . Research on Asset Securitization of Internet Consumer Finance in China [D ] . Beijing Jiaotong University , 2021 .

Liu Yang . Research on the Marketing Strategy of Y Consumer Finance Company [D ] . Shandong University , 2021 .

Zhang Jiawei . Research on Asset Securitization of Internet Consumer Finance [D ] . Xinjiang University of Finance and Economics , 2020 .

Alert me when the article has been cited

Submit

Research on the Strategic Choice and Risk Prevention of Enterprise Diversification Based on Core Competence

Related Author

Chuan Tang Hainan Vocational University of Science and Technology

Dongyue Liu Hainan Vocational University of Science and Technology

Related Institution

Hainan Vocational University of Science and Technology

⁰