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《Reform》 2018-05
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Risk Management of Consumer Finance Asset Securitization

Cheng Xuejun;Li Keaobo;  
Consumer finance asset securitization is developing at a rapid pace. However, it faces various risks,including capital risks, credit risks, interest rate risks, insufficient liquidity risks, operational risks, legal risks, etc.Balancing consumer finance innovation and its regulatory, the development of consumer finance and the risks associated with it, are the core issues to orderly development. In order to strengthen the risk management of consumer finance asset securitization, special laws and regulations should be implemented; the foundation of consumer finance's regulatory system in order to avoid capital risks should be constantly improved; the mechanism of issuing assets in the securitization of consumer finance should be improved; the regulation of risk associated with micro organizations and the cautious coordination with macro regulations in order to avoid voids in regulation should be balanced; the essence of consumer finance should be restored by strengthening the environment for consumption in consumer finance in order to avoid arbitrage risk; and the mechanism of the announcement of information for consumer finance should be comprehensively improved.
【Fund】: 国家社会科学基金项目“我国互联网金融市场准入与监管法制重大理论与实践问题研究”(批准号:16BFX098)
【CateGory Index】: F832.51
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