互联网消费信贷风险分析与应对——基于“京东白条”案例的分析与思考

发布时间：2018-04-23 03:22

本文选题：互联网金融 + 风险分析和应对　；参考：《金融与经济》2017年03期

【摘要】：互联网消费信贷借助互联网平台和信息技术在发展普惠金融等方面发挥了重要作用,但近年来也集中暴露出了各种风险。其风险特征既有传统金融一样的共性,也有其特性,对于其风险我们要客观评价和积极防范。"京东白条"是以长尾客户的网上交易场景为依托、以大数据信用评分体系做支撑、以京东平台较为严格的风险控制体系为保障的互联网金融产品,它有效地降低了互联网消费信贷的风险,对于应对互联网消费信贷风险具有借鉴意义。本文基于对"京东白条"案例的分析与思考,探讨互联网消费信贷风险的应对方法。
[Abstract]:Internet consumer credit has played an important role in the development of inclusive finance with the help of Internet platform and information technology, but in recent years, it has also exposed a variety of risks. Its risk characteristic not only has the same common character as traditional finance, but also has its characteristic. We should objectively evaluate and actively guard against its risk. " JingDong's white stripes are Internet financial products supported by the online trading scene of long-tailed customers, supported by the big data credit scoring system, and protected by the relatively strict risk control system of the JingDong platform. It can effectively reduce the risk of Internet consumption credit, and it has reference significance to deal with Internet consumption credit risk. Based on the analysis and thinking of the case of JingDong, this paper discusses how to deal with the risk of internet consumption credit.
【作者单位】：联合信用评级有限公司;中国社会科学院金融研究所;
【分类号】：F832.4;F724.6

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