Research On The E-commerce Platform For SMEs Financing Problem

With the continuous development of China’s economy, small and medium-sizedenterprises (SMEs) play a role in more and more important, not only provideemployment to maintain the stability of the society, also with climbing on thecontribution of the national economy. But the small and medium-sized enterprisesencountered in the process of rapid development, the difficulty of financing. Money isnormal operation of an enterprise, an important factor of expanded reproduction, onlythe money continuously added to make the enterprise expand steadily. Because smalland medium-sized enterprise credit level is low, can be used for mortgage assets lesswait for a reason, it is easy to reject by bank loans, Banks lend money based securityconcerns are not willing to lend to small and medium-sized enterprises. This makesthe small and medium-sized enterprise financing difficulties become a question of thewhole society’s attention.The emergence of the Internet e-commerce platform provides a possibility forthe solution of the problem. E-commerce platform is relying on Internet technology,the application of large data to enterprises of all kinds of information sharing onbanking, e-commerce platform, relying on Internet big data, the cost of bankborrowing enterprise credit information is greatly reduced, at the same time, thepractice of network sharing information in a certain extent, reduce the moral hazardof the lender. E-commerce platform financing model introduced in this paper have theInternet, financial enterprises, the raise, the network group lending, P2P, etc.Before considering such research will only small and medium-sized enterprises(SMEs) as a unified whole, not very well, considering the particularity of differenttypes of small and medium-sized enterprises (SMEs) in this paper, on the basis ofreference literature according to the different characteristics of each type of financingmode recommended the most suitable for small and medium-sized enterprises (SMEs) type, such as cultural industry class of small and medium-sized enterprises (SMEs) issuitable for use all the way to raise funds raise; Closely linked to upstream anddownstream enterprises, familiar with each other between enterprises is suitable forusing the network group lending way of financing, etc.Through e-commerce platform can solve the small and medium-sized enterprisefinancing difficult right now, but our country small and medium-sized enterpriseelectronic commerce platform financing, there are still some problems. First, theimperfect system and legal norms that some false platform appear damage theinterests of the investors and small and medium-sized enterprises, a blow to theenthusiasm of the financing of small and medium-sized enterprises using e-commerceplatform. Second, the degree of data sharing in China is not high, a lot of data havethe characteristics of regional, confidentiality, nationwide data don’t open, transparent,leading to the role of e-commerce platform there is no way to obtain the very goodplay. SMEs’ managers wait for the government assistance and financial innovation.Follow the market rules are necessary for healthy and orderly development ofelectronic commerce financing platform, this paper takes "plays a decisive role in theallocation of resources, the government work better" spirit of the eighteenth big as aguide to solve above problems puts forward reasonable suggestions.