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

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.