本科论文摘要随着互联网在中国的快速普及和发展，我国的5G技术也在不断的发展完善，公众对资产证券化的产品也慢慢接受，另一方面，互联网在我国的快速普及和发展也让互联网消费金融市场更加完善，带动了许许多多的新兴产业，同时也促进了许多已经发展成熟的产业进入导入期。其中就包含零售业，原有的零售业借助这股春风，依靠着外部的庞大需求和自身的大数据优势，剧烈拓张。这时不少公司选择采用应收账款资产证券化来进行融资，例如我国国内的电商平台京东，淘宝等账面应收账款也有显著提高。本文以互联网消费金融作为案例进行分析，对现阶段企业开展消费金融资产证券化业务可能获得的收益及面临的各种风险进行了分析。关键字：资产证券化，应收账款，京东白条，风险分析本科论文AbstractWiththerapidpopularizationanddevelopmentoftheInternetinChina,5gtechnologyinChinaisalsoconstantlydevelopingandimproving,andthepublicisgraduallyacceptingtheassetsecuritizationproducts,Ontheotherhand,therapidpopularizationanddevelopmentoftheInternetinChinaalsomakestheInternetconsumerfinancemarketmoreperfect,drivingmanyemergingindustries,andalsopromotingmanymatureindustriesintotheimportperiod.Includingtheretailindustry,theoriginalretailindustrywiththehelpofthisspringbreeze,relyingonthehugeexternaldemandanditsownbigdataadvantage,vigorouslyexpand.Atthistime,manycompanieschoosetouseassetsecuritizationofaccountsreceivableforfinancing,forexample,thedomestice-commerceplatformsJingdong,Taobaoandotherbookaccountsreceivablehavealsosignificantlyimproved.Inthispaper,theInternetconsumerfinanceasacasestudy,thecurrentstageofenterprisestocarryoutconsumerfinancialassetsecuritizationbusinessmaygainincomeandfaceavarietyofriskswereanalyzed.Keywords:Assetsecuritization,Accountsreceivable,JingdongBaitiao,Riskanalysis本科论文目录前言.............................................................................................................................................1.1研究目的和意义.............................................................................................................1.2文献综述.........................................................................................................................1.3研究思路与方法.............................................................................................................1.4论文的应用价值或设计项目的市场预测.....................................................................2资产证券化的定义....................................................................................................................2.1应收账款资产证券化概述...........................................................................................2.2应收账款证券化风险概述...........................................................................................2.3风险管理理论...............................................................................................................3京东集团白条资产证券化案例介绍........................................................................................3.1京东集团基本情况.........................................................................................................3.1.1集团简介..............................................................................................................3.1.2京东集团白条业务发展...................................................................................3.1.3融资方式.............................................................
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