消費金融的分期付款商業模式之研究

Abstract

分期付款是生活中常見的商業行為，可以說是透過貸款搭配消費的方式，將當下難以負擔的費用，轉移到較後期的所得。同時，對於商家而言也是促進消費的支付方式。隨著金融科技的浪潮興起，近年來有越來越多新興的金融服務平台，在支付、借貸、分期付款等領域為消費者提供更便利的服務或是更高品質的消費，建立創新的商業模式。 本研究針對分期支付、金融科技、借貸相關文獻作一分析與整理，並觀察台灣目前分期付款消費的環境，並比較現行分期付款平台商業模式。並對消費者與相關業者進行深度訪談以了解分期付款之需求與使用動機，並綜合以上資料與訪談結果，對在台灣市場推行分期付款消費平台提出建議。 本研究建議在台灣市場發展分期付款平台可對新興科技接受度較高的學生等年輕族群為目標客群，透過分期付款的方式將這群未來較高消費潛力的族群導入金融服務，以獲得客戶，並預期未來分期付款可與信用卡支付合作，讓信用卡成為分期付款的支付工具。

Installment is a common commercial behavior in our daily life. It moves unaffordable current expense to later periods by combination of loan and consumption. For business, it is also a way of payment for promoting consumers to buy more. Through the trend of Fintech, more and more business of financial service supplied consumers with more convenient life or high-quality consumption in payment, lending or installment and build creative business model. This study aims to do a systemic analysis via research on installment, Fintech, and lending, and observed the consumer environment of installment in Taiwan as well as related business and consumer interview to depict the demand and motivation of installment. By combination of the above, this thesis provides recommendations on operating installment platform in Taiwan market. This thesis suggest that the business focus on the young and students, with high potential purchasing power in the future. Through installment, the business could obtained these customers and is good at marketing other financial service in the future. The study also anticipate the probability of cooperation between installment business and credit card, and have the credit card became the payment tool of installment.