Research On Internet Consumer Finance And Asset Securitization

With the development and expansion of the domestic securities market,asset-backed securities,an innovative financing method,are slowly becoming familiar to domestic capitalists,and such financial products have continued to flow into the market.Many domestic companies have large restrictions on their business activities because of their large proportion of accounts receivable.Therefore,some companies have started to use asset securitization to activate their assets to receive funds in advance to support their subsequent operations.However,at present,asset securitization Most of the studies are foreign,and there are not many domestic researches and theories in this field.Therefore,the research in this paper has reference value and practical significance.After collecting data,reviewing the literature,and carefully studying,the paper systematically analyzed the Jingdong IOU's special plan for asset securitization of accounts receivable,and introduced the domestic and foreign literature and related theoretical foundations involved in the article before reading this article.The introduction of the Jingdong Ibaisha asset securitization case was introduced,including the introduction of Jingdong,Jingdong Ibai,asset securitization,the structure of the special plan,and the operation flow.Then there is the analysis part of the article,which provides a detailed and comprehensive analysis of the design of the case,transaction structure,credit,risks,and effects.The last part of the article is the revelation and suggestion of this special plan.Through the analysis and study of this special plan,Jingdong can find that through the introduction of the white bar as a credit sales service,it has enhanced the customer's adhesiveness,greatly improved the turnover,and enabled Jingdong to slow down the growth rate of the entire e-commerce industry.It can also develop with a rapid momentum.With the increasing amount of accounts receivable,Jingdong will securitize it,speed up the flow of assets,and shorten the time for capital withdrawal.Not only the development after Jingdong,but also the development of the entire industry,is of great significance for reference.