Research On The Effect Of Jingdong's Internet Financial Circle

In recent years,Internet finance business based on e-commerce platform has started to develop rapidly,which has created a new situation for the development of Internet finance in China.Internet financial enterprises also constantly make use of the advantages of fintech and Internet channels to put forward various innovative product and service ecological models in supply chain finance,inclusive finance and consumer finance in combination with the demands of consumers and the characteristics of suppliers.In the process of building an ecosystem with fintech as the core,jd finance is the most typical,providing a new model for the Internet finance industry.By integrating its e-commerce,logistics,technology and finance businesses,jd has created a new supply chain business model by relying on its own logistics system,huge amount of basic data and its own data technology.Running through the upstream and downstream,it forms a business chain from platform end to east end of Beijing and then to consumer end.Jd finance,with technologies such as loans and financial cloud,has gained continuous revenue and strong development momentum from users accumulated in e-commerce over the years.However,due to its small size,dependence on Internet technology and numerous competitors,as well as the policy environment of gradually strengthened national supervision in recent years,the development of enterprises is limited to a certain extent.Research on the effect of the Internet financial ecosystem can enable enterprises to continuously expand their business scope based on the core business,consolidate and expand the existing profit channels,effectively avoid the risk of single and rigid core competence,and enable enterprises to obtain sustainable competitive advantages.Through the dynamic adjustment of each part of the ecosphere,the financial ecosphere can be improved and finally achieve the harmonious development between the main body and the environment.At first,this paper expounds the basic idea of jingdong Internet financial ecosystem,secondly analyzed the financial ecosystem of jingdong business model and strategy,and ali financial tencent financial comparative analysis found that the existence question,put forward the countermeasures and Suggestions to optimize the financial ecosystem jingdong,finally through the constructing elements of jingdong financial ecosystem and model analysis concludes that the entire jingdong Internet financial ecosystem effect.By studying the effect of jd financial ecosystem,we can draw the inspiration of improving the Internet financial ecosystem in the future,so as to provide new ideas and reference cases for the development of China's Internet finance.