Asset Securitization Case Study Of Jingdong Ious

China's consumer finance has developed to a certain scale.Since 2012,the traditional consumer financial market and the Internet financial market have complemented each other and developed hand in hand,which has made China's consumer finance market enter a rapid development period.However,with the further development and growth of China's consumer finance market,the traditional consumer finance market is inefficient and lacks innovation.The problems of frequent and risky Internet finance market have begun to surface and become a major problem in the development of consumer finance market.On the whole,the current e-commerce consumer finance model is one of the solutions to the problems encountered in the traditional consumer finance model and the Internet consumer finance model.It can combine the traditional financial model with the existing Internet model and break the original.The inherent consumer finance model makes consumer finance more flexible and regulates the existing Internet financial market from another angle.For e-commerce,e-commerce promotion of consumer financial products itself has also stimulated the growth of sales of its own e-commerce platform,which is a multi-pronged.Today,consumption is gradually replacing investment as the main force driving the country's economic growth.The outstanding contribution of consumer financial products to the economy cannot be underestimated.However,the problem of returning funds after the introduction of consumer financial products has always been the heart disease of e-commerce.E-commerce can achieve the purpose of returning funds or even making profits by securitizing accounts receivable assets.However,at present,consumer financial asset securitization products are still in the exploration period,and some problems have not been solved.This paper attempts to propose some suggestions to optimize electricity.Commercial consumer financial asset securitization products,with a view to specifying options for future consumer financial asset securitization.