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百度金融联合多方发布国内首单区块链证券化项目 发行规模超4亿
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Topic: 百度金融联合多方发布国内首单区块链证券化项目 发行规模超4亿 (Read 164 times)
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百度金融联合多方发布国内首单区块链证券化项目 发行规模超4亿
May 16, 2017, 11:49:45 AM
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区块链技术在资产证券化(ABS)领域的正式应用终于开花结果。5月16日,百度金融与佰仟租赁、华能信托等在内的合作方联合发行国内首单区块链技术支持的ABS项目,发行规模达4.24亿元。该项目为个人消费汽车租赁债权私募ABS。其中,佰仟租赁作为原始权益人,华能信托作为计划管理人,联合中诚信评级和锦天城律师事务所,百度金融作为特定资产服务商提供金融科技支撑,多方通力合作确保了该项目的成功发行。区块链技术的运用为此次ABS资产运作透明化提供了有力保障,大幅度提升了项目的效率、安全性和可追溯性。
该项目成为国内首单以区块链技术作为底层技术支持,实现ABS“真资产”的项目。其中,区块链主要使用了去中心化存储、非对称秘钥、共识算法等技术,具有去中介信任、防篡改、交易可追溯等特性。在有限的金融机构参与节点情况下,为保留区块链的技术特性,百度金融还在实践中对区块链做了适应性改造。通过百度安全实验室的协议攻击算法,确保协议和通信安全;通过百度极限事务处理系统,可以支持百万TPS的交易规模,极大降低交易成本。在实践中还结合了百度金融大脑、人工智能等技术,采用联盟链实现ABS全生命周期管理,通过权限管理及非对称加密保证节点信息安全;使用分布式存储方案实现去中心化;再提供一套标准的底层框架,实现各方智能合约的编写。这些技术特点与ABS行业相结合,解决了交易各方对底层资产质量真实性的信任问题这一行业痛点。
据了解,百度金融自2016年10月开展场外ABS业务以来,主要发力消费金融市场。据百度金融相关负责人表示,目前,百度金融场外消费金融ABS业务创设规模已达80亿元人民币。
消费金融市场经过一段时间以来的快速发展已迎来市场升级,“蓝领”、“90后”作为主力客群成为该领域飞快发展的推手。但与此同时,在征信体系不健全、风险管理体系不够精细化、资产评估非标准化、定价机制不完善、资产状况缺乏真实性反映等背景下,消费金融市场也存在鱼龙混杂,投资者难以判断和识别消费金融ABS风险,以至于放弃投资的情况。
为了解决以上行业痛点,百度金融结合自身极强的数据积累与分析的能力,通过大数据风控和黑名单筛选,进而识别出一些常规风控手段难以发现的“问题”资产,并通过百度在大数据、人工智能、深度学习等技术的研发,加强对资产的筛选、评级、定价能力,利用区块链技术革命性地实现底层资产质量透明度和可追责性。
百度金融将自身定位为资产服务商的角色参与消费金融ABS创设。其不断对外输出的金融产品创设能力、大数据风控能力、ABS智能管理系统等综合能力,以及打造的专业化ABS一站式服务平台,成为百度金融ABS业务快速发展的依据。科技能够深刻改变普惠金融的方方面面。百度金融致力于将人工智能赋能于金融业务,为中低收入人群、小微企业等提供便捷、安全和高效的金融服务。(经济观察报/胡群)
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