The Mode Of P2B Network Lending Of Hypothecate Of Usufruct From Bank’s Acceptance Bill

At present, the number of small and medium-sized enterprises in China has reached more than 4700, in Chinese enterprises accounted for more than 97% [1]. Small and medium-sized enterprises can increase employment and promote economic development and improve the economic structure. Small and medium-sized enterprises play a very important role in the rapid development of the national economy. Because of lack of capitals, the development of small and medium-sized enterprises is not particularly well. How to solve the problem of financing will be directly related to the better and faster develop of the small and medium-sized enterprises.The main reason for the difficult financing of small and medium-sized enterprises are the high external financing requirement and the small and medium-sized enterprises’ s own reason. On the one hand, the size of the small and medium-sized enterprises are small. They lack effective collateral and have low credit. Due to lack of capitals, the sustained and healthy development of small and medium-sized enterprises is affected; On the other hand, with the rapid development of modern bill payment, the majority of small and medium-sized enterprises have large amounts of bank acceptance bills, which will cause the shortage of cash. Excessive bank acceptance bills and shortage of cash cause a lot of small and medium-sized enterprises’ s financing more difficult.Of course, the small and medium-sized enterprises also have a lot of advantages, such as small, fast, spirit. It will very easy to help them to use the new technology to solve the financing problem and obtain the fast development. With the development of Internet technology, the Internet not only helps the develop of the small and medium-sized enterprises, but also provids the possibility for the rapid financing. P2 B network financing is a new financing method and is composed of the small and medium enterprises, internet and bank.As a new network lending patterns of P2 B financial model is developed rapidly in recent years at home and abroad. P2 B network lending model is built on the Internet platform, which is a kind of loan mutual matching between small and medium-sized enterprises with rich investors. Compared with the traditional financing, P2 B network lending have some advantages, such as borrowing more convenient, low cost and wide coverage. P2 B can provide a new financing channel for the small and medium-sized enterprises and solve the financing problem, which is the traditional financial unsolved. However, Problems still exist in practical application of this innovation mode of financing in the medium and small enterprises, which include high transaction cost, imperfect credit system and lack of legal supervision. In order to solve these problems and promote the healthy development of P2 B financing mode of small and medium-sized enterprises in China, this paper puts forward some suggestions, which including the formulation of P2 B financial pattern of laws and regulations, strengthen supervision and the P2 B platform’s construction. This paper describes the mode of P2 B network lending of hypothecate of usufruct from bank acceptance bill. This paper points out some problems of this P2 B platform and gives the solutions to the problems. At last, gold and silver cat company which is a P2 B network lending platform is analyzed as a case.The platform of P2 B network lending of hypothecate of usufruct from bank acceptance bill as a new financing way of small and medium-sized enterprises has also encountered some problems and bottlenecks now. This paper analysis four aspects risks of this kind of platform, including the paper risk, legal gaps, lack of regulation and technology etc. Through the analysis of the current P2 B network financing’s market conditions and legal environment, this paper puts forward the corresponding solutions to promote the development of bill pledge of the P2 B platform.Finally, this paper is summarized the development of P2 B network lending platform of bill hypothecation and is prospected of the development of this kind of mode. The development of P2 B lending model of bill hypothecation as a new thing is got more and more attention by the bank and the relevant government departments. The small and medium-sized enterprises also gradually understand and try to solve the problem of capitals through the platform. With the further development of the Internet, we believe that this kind of network lending platform will become an important way for the financing of small and medium-sized enterprises.