京东白条的运作机制及其风险控制研究-金融学专业论文.docxVIP

CONTENTS1 CONTENTS 1 The introduction ．． ．． ． ． ．． ． ．． ． ．．．． ．1 1．1 Selected topic background and significance 1 1．2 literature review ．．3 1．2·1 The domestic research status 。． ． 。。． ．。 ．． ． 3 1．2．2 Foreign research status 1．3 Research structure and method 1一Innovation and insufficient ．．6 2 Jingdong Baitiao operating mechanism and risk control system 8 2·1 Introduction ofoperation mechanism ofJingdong Baitiao 8 2～1 1 Jingdong Baitiao business profile ．8 2～1 2 Jingdong Baitiao in the operation mechanism 一9 2～I 3 Jingdong Baitiao characteristics 一10 2．2 Jingdong Baifiao risk control system status ． ． ． ． ．． 1 1 2．2·1 Electricitypetty consumer credit risk control theory ．．11 2．2·2 The current situation ofJingdong Baitiao risk control svstem 1 1 3 Jingdong Baitiao risk and the problems existing of risk control system analvsis ．13 3．1 Jingdong Baitiao risk fonnation mechanism analysis 13 3．-．1 1 Body defect risk formation mechanism analysis 一13 3～1 2 Object defects risk formation mechanism analysis 1 4 3·1·3 Other external factors Risk formation mechanism analysis 1 5 3．2 Jingdong Baitiao risk transmission mechanism analysis． ．． 15 3．2·1 Business generated risk conduction mechanism ．． ． ．．1 5 3．2·2 Capital operation risk conduction mechanism ．。 ．．． ． ．．．．．1 5 3．3 Problems existing in the risk control system analysis ． ．． ． ．16 3．3·1 Problems in risk identification 。 ．．． ．．． ．1 7 3．3·2 Problems in risk assessment and rating．． ．． ． ．．1 7 3．3+3 Problems in deal and supervision ．． 。。 ． ．．． ．．1 7 4 Jingdong Baitiao risk control system improvement measures and Suggestions1 9 4．1 Improve the Jingdong Baitiao risk control process 19 4．-．1 1 Before-loan risk control measures before 一1 9 4·1·2 In·loan risk control measures ．20 TIT 万方数据 4．1．3 4．1．3 Post．10an risk control measures ．20 4．2 Building intemal and extemal risk control measures 22 4．2．1 Jingdong Baitiao risk control intemal supporting