Jingdong Baitiao Operation Mechanism And Risk Control Research

As traditional e-commerce enterprise,jingdong mall,with the help of e-commerce shopping boom of dongfeng after accumulated a large number of registered users online,in order to meet the user's service demand and improving shopping experience,in February 2014 formally launched its Internet financial products-Jingdong Baitiao.In its run for two years,after study the operation mechanism will help to improve the practicality of Internet financial products and to offer valuable reference significance to the development of other products;Second,Jingdong Baitiao as cross-industry cooperation products,the new problem also gradually exposed in practice,its essence is the financial,in the absence of effective regulation and industry self-discipline under the background of development,if there is no complete risk control system,in the process of the development of the follow-up,the outbreak of risk inevitably bring disastrous consequences.Therefore,in the knowledge of the operation mechanism of Jingdong Baitiao,it is necessary to conduct a comprehensive analysis of the mechanism is produced by the risk in detail,and build a complete risk control system,which is of great significance to the future healthy development of the Internet financial.According to the jingdong public information and other documents,using the case analysis to layout the framework of the full text: in the introduction part main purpose of this article selected topic background and significance,the domestic and foreign literature review,the thesis research ideas and disadvantages briefly in this paper,the methods and innovation.The next main body part is the case,first of all,the first object of Jingdong Baitiao and its risk control system present situation to do a brief introduction;Second concrete analysis Jingdong Baitiao risk and its formation mechanism,and on the basis of analyzing the existing problems of risk control system;Finally,based on the above analysis,the improvement of Jingdong Baitiao risk control system,make it more realistic binding,to customers on the operation mechanism and risk control is put forward the Suggestions and measures of this case.In this paper,based on the predecessors' study of microfinance consumption theory,based on the innovation of electricity petty consumer credit risk control theory,in order to enhance its effectiveness in practice and can be a binding of risk control of;Second innovation risk research train of thought,not only the risk formation mechanism is analyzed,and the transmission mechanism was analyzed,and also to build a complete risk control system is of important guiding significance.In this paper,there are a lot of shortcomings,Jingdong Baitiao cross-border financial products as a reality,the author has no specific risk of operating experience,should be this,the practicability of research results to practice verification;Second,about the rapid development of emerging Internet financial ecology is not accurate,the laws of the grasp of the likely on the abstraction of the view to ascend;In addition,Jingdong Baitiao crossover determines its research must be multidisciplinary,due to the limited level,can meet needs to improve on it.