个人信用的定价与流通——蚂蚁花呗的应收账款管理

Pricing and Circulation of Personal Credit——Ants' Flower Accounts Receivable Management

本文通过介绍蚂蚁花呗的案例,从理论与实践中发现公司如何利用自身数据平台的优势,减少信息不对称,对用户信用较为精确地评价,并更进一步地将其进行"货币计量"。并且ABS的成功发行也让信用与风险在市场上流转成为可能。从而架构出一个完整的针对个人用户的信用管理框架,为相关研究及市场参与者提供启发。

Through the introduction of the case of Ant Finicial, this paper finds out how the company uses the advantages of its own data platform to reduce information asymmetry, evaluate the user＇s credit more accurately, and thrther cawy out ＂monetary measure- ment＂ from the theory and practice. And the successtul issuance of ABS also makes it possible to transter credit and risk in the mar- ket. Thus, a complete credit management framework for individual users can be constructed to provide inspiration for relevant research and market participants.