互联网消费金融风险管理研究-以京东白条为例论文

本科论文摘 要随着消费金融和互联网的联合，发展出了互联网消费金融。近年来，此领域发展迅速，吸引着许多电商企业和研究人员进行探索，在一定程度上为社会经济的发展起到巨大地推动作用，并创新着人类社会，因此互联网的应用促使消费金融的发展。然而一些问题风险也随之出现，相关领域缺乏风险控制力度，风险管理制度方式都不够成熟，尤其是面临很大的信用风险危机。风险因素的存在势必会引起不利的影响，在不加以研究防范的情况下会给社会以及相关市场、企业机构带来不可避免的损失，可能会引发互联网消费金融的“经济危机”。本文首先将从互联网消费金融角度出发，并以京东电商平台率先推出的互联网消费金融产品——“京东白条”为主要研究对象，通过对其运行模式、自身存在的优劣势以及如何吸引消费者进行使用等方面出发，并基于博弈模型从贷前、贷中贷后全流程对风险进行管理，并提出相关风险控制建议对策，以保障电商企业稳定开展业务，促进互联网消费金融市场的良好发展。关键字：互联网消费金融，京东白条，信用风险，博弈模型理论，对策建议本科论文AbstractWith the combination of consumer finance and Internet, Internet consumer finance has been developed.In recent years, this field has developed rapidly, attracting many e-commerce enterprises and researchers to explore, to a certain extent, it has played a great role in promoting the development of social economy and innovating the human society. Therefore, the application of the Internet promotes the development of consumer finance. However, some problems and risks also appear. There is a lack of risk control in related fields, and the risk management system is not mature enough, especially in the face of great credit risk crisis. The existence of risk factors is bound to cause adverse effects. Without research and prevention, it will bring inevitable losses to the society, relevant markets and enterprises, and may cause an "economic crisis" of Internet consumer finance.Financial perspective, this article will first from the Internet consump...