I中 文 题 目：互联网消费信贷风险研究——以“京东白条”为例英 文 题 目：Risk Research of Internet Consumer Credit——Taking Jingdong Baitiao As An Example摘 要随着我国互联网的快速普及以及国民收入和消费水平的提高，人们的消费需求开始有所改变，居民增加了对消费升级的需求，而其中最显著的表现就是网络购物逐渐成为人们重要生活方式。与此同时，伴随着我国互联网技术的飞速发展以及政策的支持，互联网巨头纷纷进入消费信贷市场领域研发自己的信贷产品，国内互联网消费金融行业进入了高速发展阶段。2014 年 2 月，京东白条在京东商城上线，成为业内第一款互联网消费金融产品。这些新型消费信贷产品满足了广大消费群体超前消费的心理，因此一经上市就深受消费者喜爱。然而互联网在给消费信贷带来便利的同时，也带来了诸多安全隐患，无论对消费者还是经营者来说都增加了一定的风险。在互联网消费信贷产品继续拓宽空间的同时，我们更应注重分析其面临的风险，只有这样，这个行业才能得到良性发展。本文是以京东白条这一典型的互联网消费信贷产品为例，应用文献综述法、数据图表分析法、比较分析法等研究方法，研究其发展现状以及现有模式潜在风险，同时分析其风险管理模式并与其他消费信贷产品的风控模式作比较，最后给予防控风险建议。关键词：互联网消费信贷；风险；京东白条IIAbstractWith the rapid popularization of the Internet and the improvement of the national income and consumption level, people's consumption demand began to change, and the residents increased the demand for consumption upgrading, and the most significant performance is that online shopping has gradually become an important way of life for people. At the same time, with the rapid development of Internet technology and policy support, Internet giants have entered the consumer credit market to develop their own credit products, and the domestic Internet consumer finance industry has entered the stage of rapid development. In February 2014, Jingdong Baitiao was launched in Jingdong Mall, becoming the first Internet consumer financial product in the ind...
