Research On Motivation Theory Of Internel Consumer Financial Assets Securitization

With the development of network convergence and mobile interne,the improvement of people’s consumption ability and the change of consumption concept,the continuous integration of online and offline consumer scenarios has brought huge development space to the Internet consumer finance industry.The Internet consumer finance industry is expanding rapidly on the asset side,covering more consumption scenes and providing more consumers with credit consumption services.The consumption concept of "first consumption and post payment" has been accepted by more and more people.The scale of accounts receivable credit formed by Internet Consumer Finance Companies,which provides credit consumption service,is also increasing.These large,small,dispersed and poor liquidity financial assets are deposited within the Internet consumer finance service company,bringing financial pressure to them.The asset securitization business provides a feasible new scheme to revitalize this part of the financial assets with poor liquidity.As the first Internet consumer finance product in the industry,the Jingdongbaitiao receivable accounts receivable asset securitization business is the first attempt.The characteristics are most suitable for the development of asset securitization business.Will the Internet consumer finance with securitization,to fully activate the Internet credit assets,the ecological chain to open up the Internet consumer finance,the Internet platform as an intermediary,a consumer scene,a butt end funds,to better promote the development of inclusive finance.This will cause the theory and case analysis of Internet consumer financial asset securitization,asset securitization combined with motivation hypothesis and Jingdongbaitiao products securitization of the case,motivation of Internet consumer financial industry asset securitization and in-depth analysis from different aspects.