摘要

随着互联网+时代的到来，在不久的将来，互联网将与传统行业紧密的连接在一起，互联网行业充斥着资本市场的巨头，消费金融行业更成为资本市场争先进入互联网+的一个重要入口。

本文从京东白条的风险控制机制中的问题，阐述了互联网金融这一热门行业中必不可少的信用贷款分支。其中的佼佼者如阿里巴巴的支付宝金融体系，京东商城的京东金融体系，这两者已经成为我国目前互联网金融行业的两大巨头，随着支付宝率先推出的用于信用支付的花呗，京东金融也不甘落后，同样推出了重磅的京东信用支付工具—京东白条。京东白条是基于大数据征信跟据用户的行为进行授信的一种信用贷款业务，也是目前互联网信贷的一种代表性的征信方式，区别于传统的贷款业务而衍生出的新型的征信方式。列举了京东白条在风险控制中所遇到的风险控制问题并进行深入分析，根据现有的政策法规提出相对应的解决方案，完善目前京东白条所涉及的征信体系漏洞。

关键词： 京东白条风险控制征信体系

Study of The Risk Control Mechanism of JD Baitiao

Abstract

As the advent of the era Internet plus.In the near future,the Internet will closely linked together with traditional industry.The Internet industry is a giant in the capital markets.Consumer finance industry is an important portal of capital market into the Internet plus.

The problem of this paper from JD Baitiao risk control mechanism, expounds the Internet financial credit in the hot sector.The most famous of these, such as Alibaba Corporation Alipay to the financial system,JD.com to the Jingdong Finance system.At present,both of the Jingdong Finance and pay treasure to the financial has become the Internet tycoon of the financial industry in our country.As the Alipay to launch Ant check later for credit payment,Jingdong Finance is loath to lag behind.The same launch of the jingdong credit payment tool-JD Baitiao.JD Baitiao is based on large of data inquiry according to the user’s behavior is a kind of credit loan business. And Internet credit is a typical way of credit reporting.Different from traditional way of loan transaction of the credit reporting.Research of JD Baitiao problems in risk control.According to the policies put forward the corresponding solutions .Perfect JD Baitiao credit system loophole.

Key words: JD Baitiao Risk Control Credit System

摘要…………………………………………………………………………………………………………………. I

Abstract……………………………………………………………………………………………………………. II

1 前言……………………………………………………………………………………………………………. 1

1.1 本研究的目的与意义……………………………………………………………………………… 1

1.2 国内外研究文献综述……………………………………………………………………………… 1

1.3 本研究的主要内容………………………………………………………………………………… 2

2 京东白条的风险控制机制的现状分析………………………………………………………………… 3

2.1 京东白条的发展历程 ……………………………………………………………………………. 3

2.2 京东白条的背景分析……………………………………………………………………………… 4

2.3 京东白条与同类个人信贷产品的对比……………………………………………………….. 5

2.4 京东白条的风险控制机制的分析……………………………………………………………… 6