互联网金融下京东白条个人征信模式改进探究

发布时间：2018-02-05 22:42

本文关键词： 互联网金融个人征信模式京东白条信息不对称大数据　出处：《北京交通大学》2017年硕士论文　论文类型：学位论文

【摘要】：互联网金融的发展离不开征信的互联网化,信用是经济发展的保障。央行逐步放开个人征信市场的信号,使得互联网金融的个人征信业务逐渐铺开,随之而来的问题是各个互联网金融部门需要找到适合自己业务特点的个人征信模式。互联网金融征信是对传统金融征信的有效补充,征信只是手段,而征信的目的是要将业务具体到应用场景中去,降低信用风险。本文以互联网金融为背景,以京东白条为案例,探究在互联网金融背景下京东白条个人征信模式。本文的研究逻辑如下:首先对分析所要用到的信息不对称理论、长尾理论和公共物品理论进行阐述,为后面的个人征信模式分析奠定理论基础;接着介绍互联网金融的特征,分别介绍传统个人征信模式和互联网个人征信模式,并进行比较分析;之后对京东白条的个人征信模式进行介绍,并从多个角度对其进行分析,包括从理论方面具体分析京东白条个人征信的数据来源、征信对象、信用评分和场景应用,从政策环境、经济环境、社会环境和技术环境对京东白条个人征信模式的优势进行分析,也在征信数据源、风控技术、输出场景和法律方面指出目前京东白条存在的问题和成因;最后,针对京东白条自身的业务特点和优势,借鉴国外较为成熟的案例,结合互联网个人征信新的发展趋势,提出相应的改进方案,并为我国互联网个人征信模式提供一定的启示和借鉴。通过对京东白条个人征信模式的探究发现,互联网金融个人征信与传统个人征信不是替代的关系,而是互相补充和互相完善的。京东白条个人征信模式的发展在当前的环境下有一定的优势,但也存在相应的问题,需要自身改变数据来源单一的情况,提高风控技术水平,也需要有关部门及时出台和更新与互联网个人征信业务相关的政策和法律,为我国的个人征信市场的放开奠定良好的环境基础。
[Abstract]:The development of Internet finance can not do without the Internet credit, credit is the guarantee of economic development. The central bank gradually opened the signal of personal credit market, making the personal credit business of Internet finance gradually spread out. The following problem is that each Internet financial sector needs to find a personal credit model suitable for its own business characteristics. Internet financial credit reporting is an effective complement to traditional financial credit reporting, which is only a means. The purpose of credit investigation is to apply the business to the application scene to reduce the credit risk. This paper takes Internet finance as the background and JingDong as a case. The research logic of this paper is as follows: firstly, the information asymmetry theory, long tail theory and public goods theory are discussed. To lay a theoretical foundation for the analysis of personal credit model; Then introduces the characteristics of Internet finance, introduces the traditional personal credit model and the Internet personal credit model, and carries on the comparative analysis; Then it introduces the personal credit model of JingDong white stripe, and analyzes it from several angles, including the theoretical analysis of the data source of JingDong white stripe personal credit, credit objects. Credit scoring and scenario application, from the policy environment, economic environment, social environment and technical environment to analyze the advantages of JingDong white-striped personal credit model, but also in the credit data source, risk control technology. The paper points out the problems and causes of JingDong's white stripes in the aspect of output scene and law. Finally, according to JingDong's own business characteristics and advantages, draw lessons from more mature cases abroad, combined with the new development trend of personal credit information on the Internet, put forward the corresponding improvement plan. Through the research of JingDong's white stripe personal credit model, it is found that the relationship between Internet financial personal credit and traditional personal credit is not a substitute. JingDong white stripe personal credit model development in the current environment has some advantages, but there are corresponding problems, need to change their own data source of a single situation. To improve the technical level of risk control, it is also necessary for the relevant departments to issue and update the policies and laws related to the personal credit service on the Internet in time, so as to lay a good environmental foundation for the opening up of the personal credit market in China.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

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