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Application of asset securitization and block chain of Internet financial firms: Take Jingdong as an example

机译：互联网金融公司资产证券化和区块链的应用：以京东为例

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The rapid spread of the Internet in China is also changing people's consumption habits and lifestyle, small to food and entertainment, large to the defense industry, the Internet has beenpeopl integrated into every corner of China's economic industry. With the Internet consumption of consumer spending and the promotion of consumer ideas, China's Internet consumer financial market came into being and achieved rapid development. There is a unique advantage in Internet consumer finance in a large number of individual customers in the consumption habits, spending power and other aspects of the information, breaking the information monopoly of the traditional consumer finance institutions. Therefore, in the market most of the Internet companies, including Jingdong, Baidu and so began to lay a large-scale Internet banking business. In the process of large-scale development of capital and credit business on the Internet financial platform, they need for a large amount of funds. The traditional financing model has been unable to meet the needs of the rapid expansion of the industry, so following the traditional equity and debt financing, asset securitization opens up an innovative way of financing channels to solve the problem of financing platform to bring a new way of thinking. However, in the process of asset securitization, there are many problems in the bottom of the asset management process, and block chain technology in the process of application, just to help consumer financial services companies to achieve asset fidelity, reduce financing costs. And in asset management, you can ensure the authenticity of the underlying asset quality. In this paper, taking Jingdong as an example, this paper first introduces the concept of Accounts Receivable Backed Securitization(ARBS) of JD.com Consumer Credit Line, and the specific transaction process. Second, the introduction of the entire ABS cloud platform and the significance of the analysis. The last part introduces the block chain technology applied in the asset securitization of JD,mainly include the basic principles of block chain technology, the necessity of application in ABS and the application prospect in future financial industry.
机译：互联网在中国的迅速普及也正在改变人们的消费习惯和生活方式，从小到美食和娱乐，从大到国防工业，互联网已经融入了中国经济行业的各个角落。随着互联网消费消费的消费和消费者观念的推广，中国互联网消费金融市场应运而生，并取得了飞速发展。 Internet消费者金融在众多个人消费者的信息消费习惯，消费能力等方面具有独特的优势，打破了传统消费者金融机构对信息的垄断。因此，在市场上的大多数互联网公司，包括京东，百度等都开始打下大规模的互联网银行业务。在互联网金融平台上大规模发展资本和信贷业务的过程中，它们需要大量的资金。传统的融资模式已经无法满足行业快速发展的需要，因此，在传统的股权和债务融资之后，资产证券化开辟了创新的融资渠道，为解决融资平台问题带来了新途径。的思想。但是，在资产证券化的过程中，资产管理过程的底层存在很多问题，而区块链技术在应用过程中，仅是帮助消费金融服务公司实现资产保真度，降低融资成本。在资产管理中，您可以确保基础资产质量的真实性。本文以京东为例，首先介绍京东消费者信贷额度应收账款支持证券化的概念，以及具体的交易过程。其次，介绍了整个ABS云平台及其分析的意义。最后一部分介绍了在京东资产证券化中应用的区块链技术，主要包括区块链技术的基本原理，在ABS中应用的必要性以及在未来金融行业中的应用前景。

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