Case Study On Internet Small Loan Asset Securitization Of "Ant Financial" Company

According to the development of the Internet era,E-commerce giant have set up small loan company in order to adapt the rapid development of B2 C business model.Internet small loan companies adhering to the traditional characteristics of small loan companies,they can solve the small micro enterprise financing problems effectively.Meanwhile,Internet small loan have more advantages,regional and industry distribution of Internet small loan is more widely scattered,also Internet small loan companies can evaluate the credit of borrower effectively by using the plenty of data stored.These advantages provide a better conditions to financing through asset securitization,a new kind of financing tool.This paper will analyze “zhongjin-ant Ant Financial special asset management paln” which is one of the few asset securitization of Internet small loan.The analysis will focus on the advantage of the based asset and basic features of the securities.Also,the problem of accounting,tax,legal existed will consider.The detailed analysis of “zhongjin-Ant Financial special asset management paln” will provide appropriate advice to other Internet small loan companies to develop asset securitization.