The Study On The Model Of Bank-led Third-party Electric Market Of B2B

The rise and fall of the banking industry involves national economic stability and even national security issues. On the one hand, China's financial institutions suffer the issue of excess liquidity of the growing significance; On the other hand, as China's accession to the WTO, foreign banks in the mature go into China to compete with the state-owned banks so that the financial industry in China has faced tremendous threat. Therefore, in order to help China's financial institutions solve the problem of excess liquidity; this paper explored the event that the domestic financial institutions improve the competitiveness to face the external challenges.In this information age, these are series of complex mixing problems. Such as, the third-party B2B e-market platform growing more mature, the SMEs paying more attention to e-mareket information platform, the majority of SMEs suffering the thirst for loans, banks facing the issue of excess liquidity, and the electronic payment in the complex place and so on. However, there is a win-win strategy among these relations.This article first proposed the model of bank-led third-party electric market of B2B, which is banks taking the place of the third-part electronic payment and holding the host stage by controlling the cash flow in the e-mareket. Secondly, The paper constructs a two-stage game model from the perspective of bank and analyzes object while SMEs maximize their own benefits in choosing the strategy into the EM, a bank is able to control the third-party-hosted Electronic-marketplace according to valuable messages, value of loan value, and pricing strategies. Finally, I establish a performance appraisal system, which can create the honesty atmosphere so as to protect the benefits of bank and decrease the bad loans.