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资产证券化可以帮助电商盘活存量资产,提供相对低成本的融资,有助于缓解电商面临的财务压力“十三五”时期我国将大力发展普惠金融,电商金融发展前景广阔,或将加速渗透到资产证券化市场。笔者拟通过分析阿里小贷和京东白条的实践,探讨我国电商资产证券化的运作模式。电商资产证券化产生的背景2011年6月,重庆市阿里巴巴小额贷款公司(下称“重庆阿里小贷”)成立,其主营业务为向阿里巴巴、淘宝及
Asset securitization can help e-commerce to activate its stock assets and provide relatively low-cost financing, which can help ease the financial pressure on e-commerce providers. In the “13th Five-Year Plan” period, China will vigorously develop inclusive finance and broaden its prospects for the development of e-commerce finance , Or accelerate the infiltration into the securitization market. The author intends to analyze the operation mode of asset securitization in our country by analyzing the practice of Ali Minai and Jingdong Baishu. Background of E-commerce Asset Securitization In June 2011, Alibaba Microfinance Co., Ltd. (hereinafter referred to as “Chongqing Ali Micro-Credit”) was established. Its main business is operation of Alibaba, Taobao and