Study On Asset Securitization Application Of Internet Finance Companies

Nowadays,the concept of Internet + has been integrated into all sectors of society.With the integration of Internet and finance and the demand of society for various financial products,a large number of Internet finance companies emerge at the right moment.Jd finance is one of the most famous Internet companies.Compared with traditional small loan companies,Internet finance companies not only retain the characteristics of small and micro financial fields that cannot be covered by the traditional banking financial system.At the same time,the Internet loans by financial firms and financial products relative to the traditional sexual wider regional distribution of small loan companies,industry dispersion degree is bigger,and it can be based on their own platform accumulated large data to the borrower for effective credit evaluation,the overall risk control level of Internet finance company loans was improved obviously.On this basis,with the rapid development of Internet finance companies and the increasingly severe financing problems of small and medium-sized enterprises,the asset securitization of Internet finance companies has become an urgent need of the companies themselves and the society.By citic securities,jingdong usufruct asset-backed finance will win 2 trust special plan as case analysis,using the qualitative and quantitative analysis method to the asset plan to conduct a comprehensive analysis of the underlying asset quality,deal structure rationality and risk isolation and credit promotion measures,securities on the basis of the characteristics of four aspects to explain the reasons for the success of the asset backed plans to issue,and combined with the support of such assets special plan with past Internet financial assets to support special plan of similarities and differences,The paper summarizes the reference points for Internet financial companies of the same type in the asset support special plan and the existing or future problems to be faced in the asset support special plan.Finally,combined with these problems,reasonable Suggestions are given to Internet financial companies,governments and investors respectively,in order to promote the healthy development of asset securitization of Internet financial companies.