CN105550931A - Internet asset securitization risk management system - Google Patents
Internet asset securitization risk management system Download PDFInfo
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- CN105550931A CN105550931A CN201510829208.9A CN201510829208A CN105550931A CN 105550931 A CN105550931 A CN 105550931A CN 201510829208 A CN201510829208 A CN 201510829208A CN 105550931 A CN105550931 A CN 105550931A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
The invention provides an internet asset securitization risk management system, and aims at solving the problems of weak internet asset securitization product risk management and control measures, laggard risk management and control technologies and lacking of a systematic, objective, secure and scientific internet asset securitization risk management and control system. The system comprises a risk assessment system and a risk control system. The risk assessment system comprises an underlying asset (pool) risk assessment system and an internet asset securitization investment product risk assessment system which are interconnected. The risk control system comprises an underlying asset dynamic risk control system and an internet asset securitization product dynamic risk control system which are interconnected. With application of the internet asset securitization risk management system, enterprise online risk management and control can be facilitated, risk identification of investors can be enhanced and information asymmetry can be eliminated so that the fundamental interests of the investors can be maintained, and thus stability of the internet financial system of our country and the sustainable development of the industry can be prompted.
Description
Technical field
The present invention relates to internet financial resources net application technology, be related specifically to a kind of internet asset securitization risk management system.
Background technology
In recent years, internet financial product emerges in an endless stream, and has become the important component part of financial industry.But, due to the extra normal development of internet financial product, define the risk project of a large amount of internet financial products, risk investment and risk assets.The formation of these risks is the risk control technology lacking effective internet financial product after all, particularly based on risk management and control technology and the means of the intelligentized internet financial product on line.Picture P2P internet financial platform, crowd raises financial platform, electricity business little loan internet financial platform, supply chain finance internet financial platform, these platforms are for optimization allocation of financial resource, improve Allocation Efficiency, solve medium and small micro-Corporate finance difficult, the Asset Allocation problem of expensive problem of financing and middle and low income casual household all serves positive effect, but because inner management is lack of standardization, project risk control measure are weak, lack the risk control system of the internet product financial product based on technology on line, the probability that project goes out risk is much higher compared with financial product under traditional wire.And, even if some enterprise have also discovered risk control this problem weak, and study and define some risk management and control measures based on mechanism and project and system, but these technical measures and wind control management system are based on risk management and control technology traditional under line mostly, differ larger with the requirement of the risk management and control technology on line needed for financial product.
Asset securitization risk management system in internet of the present invention is served with the risk management technology of the internet asset securitization business internet financial product that is representative and measure.Asset securitization business accounting in the financial business of developed country is very large, the asset securitization business scale of China is less than normal, in the process that finance further develops, asset securitization business will certainly be allowed to soar, research and development, build the internet asset securitization platform risk management system with extensive cognition degree and brand influence to be conducive to safeguarding the stable of China's Financial system, be conducive to the long term growth promoting the financial particularly internet asset securitization product in internet, be conducive to effective risk management and control that enterprise realizes asset securitization on line, be conducive to comprising mechanism, casual household can set up Stop-loss mechanism timely according to the actual conditions of self interior investor, strengthen investor to the Risk Identification degree of investment product, information asymmetry in effective elimination internet asset securitization process, thus safeguard the fundamental interests of investor.
Summary of the invention
Weak for solving existing internet financial product wind control means, wind control techniques means tradition falls behind, particularly asset securitization product in internet lacks one based on underlying assets, the risk evaluation system of asset securitization investment product and Risk Management System, risk control means lack systematization, scientific and standardization, Stop-loss mechanism is not enough, the problems such as information asymmetry, the present invention proposes a kind of internet asset securitization risk management system, this system comprises Risk Evaluating System and risk control system, Risk Evaluating System comprises the Risk Evaluating System of underlying assets (pond) Risk Evaluating System and internet asset securitization investment product.Risk control system comprises underlying assets (cash flow that underlying assets produces) dynamic risk control system and internet asset securitization product dynamic risk control system.The primary evaluation index of underlying assets (pond) Risk Evaluating System comprises the easy marketability of underlying assets, mobility and reliable controllability, the cash flow income situation that underlying assets may bring, the stability of cash flow and reliability.The primary evaluation index of underlying assets (pond) Risk Evaluating System comprises evaluation underlying assets being increased to letter measure, including but not limited to the fiscal solvency of guarantee and insurance mechanism, the quantitatively evaluating of comprehensive management situation to introducing, increasing the overall credit standing of letter main body.The Risk Evaluating System of internet asset securitization investment product includes but not limited to the overall evaluation to underlying assets quality and cash flow thereof, increase the overall evaluation of letter situation and money manager, the credit of mandator, the overall evaluation of comprehensive strength, the overall evaluation of the rights and duties of all kinds of asset securitization products such as priority, intergrade, bad rear class.Underlying assets (underlying assets produce cash flow) dynamic risk control system comprises the dynamic monitoring system of underlying assets, early warning system and dynamic disposal system.The dynamic monitoring system of underlying assets, early warning system and dynamically disposal system be that dynamic evaluation is carried out to underlying assets and cash flow thereof, once surmount the early warning value realizing setting, start early warning program immediately and enter dynamic disposal system simultaneously, the risk of the internet asset securitization value of the product decline brought that controls to be declined by mass of foundation.Internet asset securitization product dynamic risk control system comprises dynamically adjustable risk warning indexes system and internet asset securitization product risks control system.Internet asset securitization product risks control system refers to once the overall credit grade of internet asset securitization product enters the internet asset securitization product treatment procedures set in advance while breaking through the warning index of setting with value immediately carry out corresponding disposal.The risk in underlying assets pond is according to the correlativity determination risk Metrics between the single risk of various assets and assets.
Accompanying drawing explanation
Accompanying drawing 1 is the structural representation of internet asset securitization risk management system.
Embodiment
As seen from the figure, illustrated internet asset securitization risk management system comprises Risk Evaluating System and risk control system, and Risk Evaluating System comprises the Risk Evaluating System of underlying assets (pond) Risk Evaluating System and internet asset securitization investment product.Risk control system comprises underlying assets (cash flow that underlying assets produces) dynamic risk control system and internet asset securitization product dynamic risk control system.After promoter determines the underlying assets intending transferring the possession of, relevant benefit side can application foundation assets (pond) Risk Evaluating System, by to the Risk Evaluation Factors of in advance setting as the easy marketability of underlying assets, mobility and reliable controllability, the cash flow income situation that underlying assets may bring, the stability of cash flow and reliability, underlying assets increases the evaluation of the indexs such as letter measure, determines the degree of risk of single assets.The correlativity simultaneously calculating each assets obtains the overall risk matrix of Assets Pool, thus determines the overall risk situation of Assets Pool.In asset securitization product design or the stage of sale, each relative subject can by the Risk Evaluating System of internet asset securitization investment product and underlying assets (pond) Risk Evaluating System interconnected, lead to the overall evaluation to underlying assets quality and cash flow thereof, increase the overall evaluation of letter situation and money manager, the credit of mandator, the overall evaluation of comprehensive strength, the overall evaluation of the rights and duties of all kinds of asset securitization products such as priority, intergrade, bad rear class obtains the overall risk situation of internet asset securitization.
After investor have purchased internet asset securitization product, underlying assets (cash flow that underlying assets produces) dynamic risk control system and internet asset securitization product dynamic risk control system start has an effect.Underlying assets (underlying assets produce cash flow) dynamic risk control system comprises the dynamic monitoring system of underlying assets, early warning system and dynamic disposal system.The dynamic monitoring system of underlying assets, early warning system and dynamically disposal system be that dynamic evaluation is carried out to underlying assets and cash flow thereof, once surmount the early warning value realizing setting, start early warning program immediately and enter dynamic disposal system simultaneously, the risk of the internet asset securitization value of the product decline brought that controls to be declined by mass of foundation.Meanwhile, relevant information is transferred to internet asset securitization product dynamic risk control system by underlying assets (cash flow that underlying assets produces) dynamic risk control system in time, the data message that internet asset securitization product dynamic risk control system is transmitted according to underlying assets (cash flow that underlying assets produces) dynamic risk control system, the simulation that will make an immediate response generates the change conditions of internet asset securitization inherent value, according to the warning index that the related sides such as investor set in advance, automatically corresponding disposal method is made by system.
Effective application of internet asset securitization risk management system, be conducive to safeguarding the stable of China's Financial system, be conducive to the long term growth promoting the financial particularly internet asset securitization product in internet, be conducive to effective risk management and control that enterprise realizes asset securitization on line, be conducive to comprising mechanism, casual household can set up Stop-loss mechanism timely according to the actual conditions of self interior investor, strengthen investor to the Risk Identification degree of investment product, information asymmetry in effective elimination internet asset securitization process, thus safeguard the fundamental interests of investor.
Claims (11)
1. an internet asset securitization risk management system, is characterized in that: this system comprises Risk Evaluating System and risk control system.
2. asset securitization risk management system in internet according to claim 1, is characterized in that: Risk Evaluating System comprises the Risk Evaluating System of underlying assets (pond) Risk Evaluating System and internet asset securitization investment product.
3. asset securitization risk management system in internet according to claim 1, is characterized in that: risk control system comprises underlying assets (cash flow that underlying assets produces) dynamic risk control system and internet asset securitization product dynamic risk control system.
4. the internet asset securitization risk management system according to claim 1,2, it is characterized in that: the primary evaluation index of underlying assets (pond) Risk Evaluating System comprises the easy marketability of underlying assets, mobility and reliable controllability, the cash flow income situation that underlying assets may bring, the stability of cash flow and reliability.
5. the internet asset securitization risk management system according to claim 1,2,4, it is characterized in that: the primary evaluation index of underlying assets (pond) Risk Evaluating System comprises evaluation underlying assets being increased to letter measure, including but not limited to the fiscal solvency of guarantee and insurance mechanism, the quantitatively evaluating of comprehensive management situation to introducing, increasing the overall credit standing of letter main body.
6. the internet asset securitization risk management system according to claims 1,2, it is characterized in that: the Risk Evaluating System of internet asset securitization investment product includes but not limited to the overall evaluation to underlying assets quality and cash flow thereof, increase the overall evaluation of letter situation and money manager, the credit of mandator, the overall evaluation of comprehensive strength, the overall evaluation of the rights and duties of all kinds of asset securitization products such as priority, intergrade, bad rear class.
7. the internet asset securitization risk management system according to claims 1,3, is characterized in that: underlying assets (underlying assets produce cash flow) dynamic risk control system comprises the dynamic monitoring system of underlying assets, early warning system and dynamic disposal system.
8. the internet asset securitization risk management system according to claims 1,3,4,6, it is characterized in that: the dynamic monitoring system of underlying assets, early warning system and dynamically disposal system be that dynamic evaluation is carried out to underlying assets and cash flow thereof, once surmount the early warning value realizing setting, start early warning program immediately and enter dynamic disposal system simultaneously, the risk of the internet asset securitization value of the product decline brought that controls to be declined by mass of foundation.
9. the internet asset securitization risk management system according to claims 1,3, is characterized in that: internet asset securitization product dynamic risk control system comprises dynamically adjustable risk warning indexes system and internet asset securitization product risks control system.
10. the internet asset securitization risk management system according to claims 1,3,8, is characterized in that: internet asset securitization product risks control system refers to once the overall credit grade of internet asset securitization product and value are once the internet asset securitization product treatment procedures entering setting in advance while breaking through the warning index of setting immediately carries out corresponding disposal.
11. internet asset securitization risk management systems according to claims 1, is characterized in that: the risk in underlying assets pond is according to the correlativity determination risk Metrics between the single risk of various assets and assets.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510829208.9A CN105550931A (en) | 2015-11-20 | 2015-11-20 | Internet asset securitization risk management system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510829208.9A CN105550931A (en) | 2015-11-20 | 2015-11-20 | Internet asset securitization risk management system |
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| Publication Number | Publication Date |
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| CN105550931A true CN105550931A (en) | 2016-05-04 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201510829208.9A Pending CN105550931A (en) | 2015-11-20 | 2015-11-20 | Internet asset securitization risk management system |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111401914A (en) * | 2020-04-02 | 2020-07-10 | 支付宝(杭州)信息技术有限公司 | Risk assessment model training and risk assessment method and device |
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2015
- 2015-11-20 CN CN201510829208.9A patent/CN105550931A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111401914A (en) * | 2020-04-02 | 2020-07-10 | 支付宝(杭州)信息技术有限公司 | Risk assessment model training and risk assessment method and device |
| CN111401914B (en) * | 2020-04-02 | 2022-07-22 | 支付宝(杭州)信息技术有限公司 | Risk assessment model training and risk assessment method and device |
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