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

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.