Ant Micro Loan Assets Securitization Analysis

The healthy development of China's economy cannot be separated from small and medium-sized micro-enterprises.The status of small and medium-sized micro-enterprises continues to increase,and their economic status has also increased.The development of small and micro enterprises has effectively promoted employment and accelerated the transformation of economic models.However,the problem of financing has become a difficult problem that restricts its development.This problem was already taken seriously by the state many years ago.In May 2008,the Central Bank and the China Banking Regulatory Commission jointly issued the “Guiding Opinions on Pilot Projects for Small Loan Companies” to promote the entry of private capital into SMEs.However,according to the The contents of the Opinions show that public deposits cannot be used as financing objects and the scale of loans in banks is also limited.Therefore,the problem of financing difficulties for small loan companies has not been solved.The development of asset securitization is an opportunity to solve this problem.Therefore,this paper attempts to analyze the feasibility and effectiveness of asset securitization in China through the analysis of the “Special Plan for Small Loan Asset Support for the First Phase of Ant Microloans in 2015”.The full text is mainly divided into four parts: The first part is the introduction,which mainly introduces the reasons for the topic,innovation and inadequacies;The second part is the key part of this article-case introduction,mainly introduces the status of the product base of the first phase of the ants' small loan;The third section gives an analysis of the case and the economic benefits to all parties involved.The fourth part is the conclusion and the suggestion.This article proposes the direction and model of asset securitization through the case analysis of the first phase of the ants microcredit.