摘要“京东白条”是金融行业内第一款款互联网信用支付产品，让用户可以享受到“先消费、后付款，实时审批、随心分期”的畅快的消费体验，以第一款互联网信用支付产品的优势迅速成为行业典范，奠定了京东金融在消费金融行业领先品牌的地位。在定位上，“京东白条”这是一款通过大数据对用户进行信用评估，为信用等级高、有消费需求的用户提供及时的信用支付服务。京东白条的服务在发展中逐步延伸，合作近千万的商户，涵盖生活娱乐、商旅出行、教育培训、通讯及租赁等各个行业。但是作为互联网信用支付产品对于当代大学生来说并不是绝对的安全，其中会有一些隐藏的风险不被使用者了解。本文将沈阳工学院的在校大学生作为调查群体，通过发放调查问卷的形式来调查沈阳工学院大学生对京东白条的使用情况以及风险认知情况进行调查研究。本文第一章主要介绍京东白条付款业务的概念以及介绍京东白条的相关信息；第二章分析由调查问卷回执所得出的信息，主要以饼图的方式呈现；第三章根据现有调查问卷所得信息分析当前京东白条付款业务对受调查者的隐藏风险；详细分析这些受调查者在使用京东白条付款业务时可能造成这些风险的原因，以及为什么这些风险不被重视；第四章则重点对读者提出如何避免这些风险的建议。关键词：京东白条；大学生贷款；贷款风险Abstract"JDWhiteStrip"isthefirstInternetcreditpaymentproductinthefinancialindustry,allowinguserstoenjoythe"firstconsumption,thenpayment,real-timeapproval,andinstallmentatwill"smoothconsumerexperience,withtheadvantagesofthefirstInternetcreditpaymentproductquicklybecomeanindustrymodel,layingthefoundationforJDFinance'spositionasaleadingbrandintheconsumerfinanceindustry.Intermsofpositioning,"JDWhiteStrip"isacreditassessmentofusersthroughbigdata,providingtimelycreditpaymentservicesforuserswithhighcreditratingsandconsumerneeds.JDWhiteStrip'sserviceshavebeengraduallyextendedindevelopment,cooperatingwithnearly10millionmerchants,coveringvariousindustriessuchaslifeandentertainment,businesstravel,educationandtraining,communicationsandleasing.However,asanInternetcreditpaymentproduct,itisnotabsolutelysafeforcontemporarycollegestudents,andtherewillbesomehiddenrisksthatwillnotbeunderstoodbyusers.ThispapertakesthecollegestudentsofShenyangInstituteofTechnologyasasurveygroup,andinvestigatestheuseofJDwhitestripsandriskperceptionofShenyangInstituteofTechnologycollegestudentsbydistributingquestionnaires.ThefirstchapterofthisarticlemainlyintroducestheconceptofJDWhiteStrippaymentbusinessandintroducestherelevantinformationofJDWhiteStrip;thesecondchapteranalyzestheinformationobtainedfromthequestionnairereceipt,mainlypresentedintheformofpiecharts;thethirdchapteranalyzesthecurrenthiddenrisksofJDWhiteStrippaymentbusinesstorespondentsbasedontheinformationobtainedfromtheexistingquestionnaire;analyzesindetailthereasonswhytheserisksmaybecausedbytheserespondentswhenusingJDWhiteStrippaymentbusiness,andwhytheserisksarenottakenseriouslyChapterIVfocusesonadvisingthereaderonhowtoavoidtheserisks.Keywords:JDwhitestripe;collegestudentloan;loanrisk目录摘要.............................................................................................................................................IAbstract.....................................................................................................................................II绪论............................................................................................................................................11京东白条付款业务概述............................................................................
