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Innovative Research on Auto Consumer Loan Business of R Financing Guarantee Company: Taking the “Lease-to-Own” Model as an Example

Hang Zhang
Vol.8, No.2, pp.222-225, 2025 DOI: 10.62051/ijgem.v8n2.25 September 27, 2025
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Abstract: As China's guarantee industry transitions from rapid expansion to risk exposure, private financing guarantee companies face multiple challenges including business contraction and pressure from banks' “de-guarantee” initiatives. This study examines R Financing Guarantee Company, employing PEST, SWOT, and Porter's Five Forces analyses to evaluate its auto consumer loan business's internal/external environment and competitive landscape. It proposes a business innovation strategy centered on the “lease-to-own” model. The paper systematically outlines innovative measures across six dimensions—product, process, marketing, service, management, and revenue sources—while designing risk control mechanisms for pre-loan, during-loan, and post-loan phases. Research indicates that the “lease-to-own” model effectively enhances customer experience, diversifies revenue streams, and improves risk manageability, offering valuable insights for business transformation among peer guarantee companies.
Keywords: Financing guarantee company, Auto finance, Business innovation, Lease-to-own, Risk control
APA Citation: Hang Zhang (2025). Innovative Research on Auto Consumer Loan Business of R Financing Guarantee Company: Taking the “Lease-to-Own” Model as an Example. International Journal of Global Economics and Management, 8(2), 222-225. https://doi.org/10.62051/ijgem.v8n2.25

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