摘 要：随着中国互联网技术不断进步，新金融运营而生。大数据分析、云计算存 储技术不断成熟，企业融资方式呈现多元化，电商企业下的金融产品被广泛应用，由传统的融资方式向新型融资方式的转变成为当下经济环境的大趋势，新型融资方式依托新金融背景下的互联网科技弥补了传统融资方式的不足，加快了我国金融科技进步，但同时也面临着新的风险监管问题。本文采用个案实例分析，针对京东金融传统融资方式和新型融资方式业务、流程、风险上问题展开调查分析，并为我国电商企业风险监管和融资上提出可供参考的建议。

关键词：新金融，融资方式，风险监管

Research on the Development of Financing Methods and Risk Supervision under the Background of New Finance

——Based on Jingdong financial investigation and analysis

Absrtact: With the continuous progress of Internet technology in China, new financial.operations have emerged.Big data analysis and cloud computing storage technologies are becomingmore and more mature, and corporate financing methods are diversified. Financial products under e-commerce enterprises are widely used,and the transformation from traditional financing methods to newfinancing methods has become the general trend of the current economic environment. The new financing methods rely on Internet technology under the new financial background to make up for the deficiencies of traditional financing methods,and accelerate the development of China's financial industryWith the progressof science and technology, it is also facing new risk supervision problems.This paper uses case analysis to investigate and analyze the business,process and risk of traditional and new financing methods of Jingdongfinance, and puts forward suggestions for risk supervision and financing of e-commerce enterprises in China.

Keywords: New finance, financing methods,risk supervision

 

目录

中文摘要 4

英文摘要 5

1 绪 论 6

1.1 选题背景与研究意义 6

1.2 研究思路和研究方法 6

1.3 国内外研究综述 7

2 新金融发展概述 9

2.1 新金融概念 9

2.2 新金融经济特征 9

3 新融资方式实证研究——以京东金融为例 11

3.1 我国融资方式发展背景 11

3.2 京东金融传统融资方式简介 12

3.3 京东金融创新融资方式及效果分析 15

4 新金融背景下金融产品风险分析 19

4.1 新金融风险特点 19

4.2 “京保贝”与“京小贷”产品风险分析 19

4.3 阿里小贷产品风险分析 20

5 结论与建议 22

5.1 建立有效的数据管控 22

5.2 完善法律法规 23

5.3 加强信用体系建设 23

5.4 拓宽电商平台的融资渠道 23

5.5 加强人才培养 24

谢 辞 24

参考文献 25