Analysis On The Risk Management Of Internet Financial Asset Securitization

With the rapid development of Internet finance in recent years,its business field has been advancing in a more diversified direction.Many Internet companies have begun to explore the microfinance business and have utilized the resources of the Internet to form a broad and relatively stable source of future funding.However,after all,microfinance has limited quotas and is relatively scattered.Therefore,Internet companies engaged in credit business need to use all of the limited liquidity for the construction,maintenance and labor costs of outlets,which hinders the long-term development and profitability of the company to some extent.Therefore,faced with the dilemma of less financing and high cost,Internet finance companies have used the advantages of the industry to start seeking effective ways to revitalize the stock of microfinance assets in the capital market,and finally explored an Internet finance and asset securities.The innovative path of combining innovation to help enterprises solve the financing problems of financing difficulties,and comprehensively improve the overall operational efficiency by means of the advantages of Internet finance,and achieved very significant practical results.However,as a new business combination method,Internet financial asset securitization still has many risk factors in the process of rapid application and expansion.Therefore,its risk management problem has also attracted corresponding attention.However,in recent years,with the rise of Internet financial asset securitization in China,the related research has gradually gained attention,but the research mainly relies on a case to analyze the enlightenment and lessons from its application experience.The main form of analysis is also based on a specific case,and then the analysis of all aspects of the case,less from the perspective of risk research,focus on the research of risk management.Therefore,this paper will focus on the systematic research on risk management related issues of Internet financial asset securitization.Firstly,it analyzes the relevant theories of domestic and foreign research literature,asset securitization and internet finance to form the theoretical research basis of this paper.Then it introduces the development status of internet financial market and asset securitization business,and on this basis Focusing on the application of Internet financial asset securitization business in China,and discussing the inevitability of the combination of Internet finance and asset securitization;then introducing CICC-Pleasant Elite Loan as a practical case,with a pleasant elite loan The special plan for asset securitization business is to study the entry point,and comprehensively analyze the basic situation,business content and transaction structure of the special plan;then,the geographical distribution and amount distribution of the trust loan under the special plan basic assets The situation and the distribution of the term were analyzed in depth,and the risk management measures adopted in the asset securitization process were analyzed.The research found that this case adopted a series of risk management measures to effectively the overall risk of the case.Tube However,the case still has problems and shortcomings in risk management.At the end of this paper,the case study is summarized and suggestions are made to realize the scientific and rational development of Internet financial asset securitization.