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消费ABS资产端不及阿里京东 百度借区块链弯道超车
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Topic: 消费ABS资产端不及阿里京东 百度借区块链弯道超车 (Read 16 times)
iqkgeh
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消费ABS资产端不及阿里京东 百度借区块链弯道超车
January 13, 2018, 12:14:23 AM
#1
BATJ在消费金融领域的竞争延伸到ABS,区块链技术成为兵家必争之地。
9月19日,“百度-长安新生-天风2017年第一期资产支持专项计划”发行,这是中国首单基于区块链技术的交易所ABS。而在8月下旬,京东金融ABS云平台与建元资本刚刚宣布将合作发行一单全程基于区块链技术的汽车融资租赁ABS项目。
在上述ABS产品中,长安新生作为资产提供方,天风证券作为通道,百度金融的角色是技术服务商,搭建了区块链服务端BaaS(Blockchain
asa Service),并引入了区块链技术,项目中的各参与机构(百度金融、资产生成方、信托、券商、评级、律所等)作为联盟链上的参与节点。
市场对这一项目的关注点在于,区块链技术在ABS领域的应用,能否解决ABS环节中的一些痛点,为日趋火爆的消费金融类ABS发行再添上一把柴。
理论上来说,ABS能实现企业主体评级和债项评级的分离,企业将特定资产组合剥离放入SPV,并以此为支持发行可交易的证券,和企业主体信用脱钩。信用评级较低的中小机构如果有优质资产,通过ABS能增加获得低成本融资的机会。
“但消费金融底层资产透明性差,一笔笔借款项目小而散,流动性大,传统技术手段难以评估,资产提供方出具的数据也难以取信,用基于资产的资信评估取代发行主体的资信评估不太现实。”一位信托业从事ABS人士告诉财新记者。
苏宁金融研究院互联网金融中心主任薛洪言曾撰文分析,区块链技术能解决ABS信息不透明问题。将区块链技术应用于消费金融ABS,借助其时序特征,各方可以看到资产的“全生命周期”;其不可篡改和分布式网络特征,可大幅提升底层资产的透明度,提升中介机构尽调效率,让资金方对底层资产有了穿透式了解,提高投资人的信心。就监管而言,消费金融ABS整体透明度的提升,有助于其更好地防控风险,进而可以适当降低准入门槛。
从这个角度来看,百度发行区块链支持ABS第一单意义深远。但上述信托业内人士表示,利用技术手段实现底层资产监控,在业界并不鲜见。“很多公司已经在为ABS项目开发系统,提供数据核算功能,穿透底层资产,提取监管信息和风控信息,比如众安保险、全思科技等。”
在消费金融ABS项目中,除了作为资产提供方的场景消费类信贷机构、作为通道方的券商或信托以及银行、保险等资金方以外,越来越多技术服务商参与进来,提供ABS第三方外包服务,解决信息不透明问题。众安保险为消费金融ABS交易设计信用险,顺势切入技术服务领域。
“为特定ABS项目开发一个对底层资产实现监控的小型系统费用在大几百万,资本门槛没有那么高。”上述人士透露,而百度金融的目标可能在于利用区块链技术提供标准化服务,致力将消费金融ABS外包服务集中在百度平台。
借助区块链技术做发行平台,可能是百度在这场消费金融ABS竞争中弯道超车的可能路径。
蚂蚁金服和京东金融在ABS项目中扮演的角色通常是资产提供方,两者凭借花呗、借呗以及京东白条积累的消费信贷体量远不是百度金融能比拟的。百度金融信贷资产有限,最适合的道路是做第三方技术服务平台,发行外部资产。
百度金融ABS负责人张潇曾在媒体访谈中表示,虽然百度金融的ABS业务成立较晚,但给第三方发行的ABS规模却是BATJ中最大的,截至目前,已经成功发行31单外部资产ABS,规模近160亿。
张潇表示百度金融发行的ABS资产有三类:一是自营资产,比如百度有钱花贷款资产;第二是优质的外部资产;第三类是风控实力较弱的资产,百度金融提供完整链条服务,从资产生成介入,提供流量、智能获客、黑名单、反欺诈、风控策略、活体识别,最后终端是ABS融资。张潇提到,后两类资产是百度金融平台未来的重点。
只是,从输出金融科技、提供包括ABS区块链技术在内的解决方案来看,百度相对BATJ另外几家的技术优势是否真有这么明显?
。
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