The Research On E-commerce Small Loan

2009, the development of Chinese internet product suppliers maintained sustainable and stable, despite of the financial crisis world-wide. And the relationship between internet product suppliers becomes more diverse and international. Meanwhile, e-commerce is welcomed by more and more people, Tao Bao has been the most popular e-commerce website. According to statistics,5000 internet shops were opened every day after September,2008. And the survival probability of on-line small & medium enterprises(SME) is 5 times more than traditional, off-line enterprises.By internet,30% SME find suppliers,24% SME do advertisement and over 100 million people do internet shopping. And over 3.6 trillion RMB business were done by e-commerce. Specialized e-commerce service system is taking shape, digital authentication, electronic payment, logistics and other support system for e-commerce application system is gradually improved.Although e-commerce is developing very fast in China, and has certain influence on civilian life and national economic structure, financing activity becomes a problem. Ali small loan was found up on 8, June 2010, specifically to offer financing service, and start e-commerce small loan China.E-commerce small loan is rarely researched, differences between the mode and other modes, and the blocking factors of its development are worthy thinking. The purpose of this paper is to research the above issues. Since Ali small loan is the only e-commerce small loan company, I set it as an example for the research.Definition, development background, development history, main feature and status of off-line small loan, international small loan modes and e-commerce small loan are discussed. Then I did 2 comparative analysis:first, between off-line small loan and e-commerce small loan, and find out that e-commerce small loan can improve efficiency of civilian capital and construction of credit system, government should develop e-commerce small loan; second, between the international small loan modes and e-commerce small loan, and conclude that government constraint on interest rate and fund source are 2 important factors that block the development of e-commerce small loan. Finally, I put forward relative suggestions.There are 2 creative points of this paper:first, relative research about e-commerce small loan is rare, this research is about to pave a way for other researchers; second, comparative analysis method is used in order to get the conclusions, and comparative analysis method is rarely used in other small loan research.