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近年来,我国互联网+非标金融资产证券化加速发展,呈现成本低、风险分散化、信用较高、人才专业化等特点。通过与发展较为成熟的“京东白条ABS”(“线下模式”)的案例比较,可以得出我国互联网+非标金融资产证券化(“线上模式”)存在SPV的缺位、交易结构不完整和信息不对称等问题,通过设置相应的法律制度、设置线上ABS的准入门槛、加强线上ABS的监管等措施来完善线上ABS的监管机制,促进线上ABS的有序和规范发展。
In recent years, China’s internet + non-standard financial assets securitization accelerated development, showing the characteristics of low cost, diversified risks, high credit, and specialized personnel. By comparing with the case of developing a relatively mature “Jingdong White Stripe ABS” (“offline pattern”), we can conclude that SPV exists in China’s internet + non-standard financial asset securitization (“online pattern”) Absent position, incomplete transaction structure and information asymmetry, etc., improve the supervision mechanism of online ABS by setting corresponding legal system, setting the access threshold of online ABS, strengthening the supervision of online ABS, etc., promoting online ABS orderly and standardized development.