大数据视阈下资产证券化基础资产风险重构——以互联网消费信贷信用分析为例

Asset Securitization based Asset Securitization Risk Reconstruction from the Perspective of Big Data —— A Case Study of the Credit Analysis of Internet Consumption Credit

针对近年来我国互联网行业推出的互联网消费信贷以及2015年以来将消费者信贷资产证券化后向投资者推出的现象,本文立足于传统信贷风险的分析并同时考虑资产证券化会为消费者信贷带来的风险因素,力图探讨这类新兴互联网金融产品的风险控制问题,同时证明建立互联网征信系统的迫切性。在分析中涉及到对于目前我国征信系统的发展概况以及大数据时代之下互联网金融征信的发展可期的方向;并与美国新兴成熟互联网征信平台Zest Finance进行对比,旨在为我国互联网消费信贷资产证券化征信平台建立提出发展的思路。

In recent years, China＇s Internet industry launched Internet consumer credit and since 2015 the consumer credit asset securitization to investors after the launch of the phenomenon, this paper based on the analysis of the traditional credit risk and risk factors of asset securitization will bring to the consumer credit risk control, tries to discuss the problems of this kind of emerging Internet fi nancial products at the same time, prove the urgency of establishing the credit system of the internet. In the analysis related to the development for the current development situation of China＇s credit system under the era of big data and Internet financial credit period direction; and compared with the mature emerging Internet credit platform Zest Finance, aims to establish put forward development ideas for China＇s Internet consumer credit asset securitization credit platform.