沈阳工学院大学生对京东白条付款业务风险防范的调查分析

沈阳工学院大学生对京东白条付款业务风险防范的调查分析摘要“京东白条”是金融行业内第一款款互联网信用支付产品，让用户可以享受到“先消费、后付款，实时审批、随心分期”的畅快的消费体验，以第一款互联网信用支付产品的优势迅速成为行业典范，奠定了京东金融在消费金融行业领先品牌的地位。在定位上，“京东白条”这是一款通过大数据对用户进行信用评估，为信用等级高、有消费需求的用户提供及时的信用支付服务。京东白条的服务在发展中逐步延伸，合作近千万的商户，涵盖生活娱乐、商旅出行、教育培训、通讯及租赁等各个行业。但是作为互联网信用支付产品对于当代大学生来说并不是绝对的安全，其中会有一些隐藏的风险不被使用者了解。本文将沈阳工学院的在校大学生作为调查群体，通过发放调查问卷的形式来调查沈阳工学院大学生对京东白条的使用情况以及风险认知情况进行调查研究。本文第一章主要介绍京东白条付款业务的概念以及介绍京东白条的相关信息：第二章分析由调查问卷回执所得出的信息，主要以饼图的方式呈现：第三章根据现有调查问卷所得信息分析当前京东白条付款业务对受调查者的隐藏风险：详细分析这些受调查者在使用京东白条付款业务时可能造成这些风险的原因，以及为什么这些风险不被重视：第四章则重点对读者提出如何避免这些风险的建议。关键词：京东白条；大学生贷款；贷款风险Abstract"JD White Strip "is the first Internet credit payment product in the financial industry,allowing users to enjoy the "first consumption,then payment,real-time approval,andinstallment at will"smooth consumer experience,with the advantages of the first Internetcredit payment product quickly become an industry model,laying the foundation for JDFinance's position as a leading brand in the consumer finance industry.In terms of positioning,"JD White Strip"is a credit assessment of users through big data,providing timely creditpayment services for users with high credit ratings and consumer needs.JD White Strip'sservices have been gradually extended in development,cooperating with nearly 10 millionmerchants,covering various industries such as life and entertainment,business travel,education and training,communications and leasing.However,as an Internet credit paymentproduct,it is not absolutely safe for contemporary college students,and there will be somehidden risks that will not be understood by users.This paper takes the college students of Shenyang Institute of Technology as a surveygroup,and investigates the use of JD white strips and risk perception of Shenyang Institute ofTechnology college students by distributing questionnaires.The first chapter of this articlemainly introduces the concept of JD White Strip payment business and introduces the relevantinformation of JD White Strip;the second chapter analyzes the information obtained from thequestionnaire receipt,mainly presented in the form of pie charts;the third chapter analyzesthe current hidden risks of JD White Strip payment business to respondents based on theinformation obtained from the existing questionnaire;analyzes in detail the reasons why theserisks may be caused by these respondents when using JD White Strip payment business,andwhy these risks are not taken seriously Chapter IV focuses on advising the reader on how toavoid these risks.Keywords:JD white stripe;college student loan;loan riskΠ目录商要.a444444Abstract.绪论.…1京东白条付款业务概述.21.1京东白条概念21.2京东白条相关信息…21.2.1京东白条规模.21.2.2京东白条发展历程……22沈阳工学院学生使用京东白条状况2.1调查方法及问卷设计…22调查情况.…..42.3沈阳工学院学生使用京东白条状况分析.42.4沈阳工学院学生使用过程中逾期还款的情况…52.5沈阳工学院学生使用京东白条过程中的消费习惯调查.62.6沈阳工学院学生使用京东白条过程中的消费种类调查.63使用者对京东白条存在的潜在风险的认知情况.103.1负债消费风险及成因…103.1.1负债消费风险…103.1.2负债消费的成因…。113.2“被分期付款”风险及成因…123.2.1“被分期付款”风险介绍.123.2.2被分期付款”风险的成因….133.3使用京东白条存在的信用风险及成因.143.3.1信用风险介绍.143.3.2信用风险的成因.154对风险认知者存在问题的建议.174.1负债消费风险的建议….174.1.1