Taking JD Baitiao as an Example for the Securitization of Internet Financial Consumer Loans: Research on the Structure and Potential Risk

With the rapid development of internet finance, the consumer lending market has become an important field in the financial industry. As one of the largest consumer financial platforms in China, the securitization structure and potential risks of JD Baitiao have attracted much attention. This article explores the structure and potential risks of securitization of consumer lending in internet finance, using Jingdong White Sheet as an example. Firstly, this article provides a detailed analysis of the securitization structure of JD Baitiao, including the basic concept of asset securitization, the process of asset securitization of Jingdong White Sheet, and its characteristics. Secondly, this article analyzes the potential risks of securitization of JD Baitiao, including credit risk, market risk, legal risk, and operational risk, etc. Finally, this article proposes preventive measures and suggestions for these risks.