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| 论文编号： | 9570 | |
| 作者编号： | 2120152772 | |
| 上传时间： | 2017/12/7 14:16:19 | |
| 中文题目： | 京东白条运营风险及其防范策略研究 | |
| 英文题目： | The Operation Risk and Prevention Strategy of Jingdong Ious | |
| 指导老师： | 张耀伟 | |
| 中文关键字： | 互联网;消费金融;风险控制;京东白条 | |
| 英文关键字： | Internet; financial services; consumer credit; Jingdong ious | |
| 中文摘要： | 由于我国目前还没有设立健全的网络金融法制体系，互联网金融的信用共享机制尚不完整，加之互联网本身的安全技术问题，互联网金融的发展面临着巨大的风险挑战。 本文将以“京东白条”这一典型的互联网金融产品为例，首先对其进行具体的风险分析，然后通过理论探索和实践调查，提出风险控制和防范的策略。京东白条面临的主要风险有监管风险、技术风险、过度信贷风险、信用风险、套现风险、信息泄露风险，之所以出现这些风险问题，既有监管机制、产品提供方、产品自身的原因，也有白条服务对象方面的原因，而要防范和化解这些风险，需要京东白条加强与监管机构的沟通与合作，提升网络金融产品的安全技术水平通过合理调控信贷规模减少过度信贷风险，通过建立信用信息共享平台，加大对套现行为的打击力度，完善信息保密制度，构建起全面的信贷风险防范系统。 本文认为，互联网金融目前还处于野蛮生长期，其面临的最大问题就是监管机制的问题，从其长远发展来看，必须将互联网金融纳入到整个金融市场的监管系统中，通过全面的征信信息共享，才能真正解决互联网金融的信用风险问题。 | |
| 英文摘要： | With the rise of Internet finance, online payment, virtual currency, online banking, network lending and other products have emerged, online and offline began to combine into an organic whole. Internet Finance in our country in recent years the growth momentum is very strong, but because China has not yet set up a network of financial legal system perfect, Internet financial credit sharing mechanism is not complete, and the safety problems of the Internet itself, Internet financial development is facing enormous risks and challenges. How to deal with the risks and make the Internet finance serve the people and benefit the society is the most concerned question in this article. This article will take "Jingdong ious" as a typical internet financial products as an example, first of all, the specific risk analysis, and then through theoretical exploration and practical investigation, put forward risk control and prevention strategies. The main risks faced with the Jingdong ious regulatory risk, technology risk, excessive credit risk, credit risk, cash risk, the risk of information leakage, the emergence of these problems is not only because of the risk, supervision mechanism, product providers, the product itself, but also because the ious service object, in order to prevent and defuse the risks. Jingdong ious need to strengthen communication and cooperation with regulators to enhance the security level of network technology, financial products to reduce excessive credit risk by reasonable regulation of credit scale, through the establishment of credit information sharing platform, to increase efforts to combat action, improve information security system, build a comprehensive credit risk prevention system. | |
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