E-Commerce Financial Analysis Based On The Internet Financial Background

With the rapid development of China's Internet technology,the number of people using the Internet is increasing,and the proportion of online shopping and online investment has increased significantly.Internet leading companies such as"Google"and"Baidu"set off an upsurge of"Internet finance".Under this business opportunity,various funds have entered and internet financial services have been launched.Among them,the e-commerce platform actively develops e-commerce financial services based on the internet financial background out of its own business logic.For example,Alibaba launches Yu Bao and Jingdong has launched a supply chain financing service system such as Beijing Baby.These financial services have brought considerable profitability to them.Under the impetus of this commercial profit,many e-commerce platforms followed suit and began to engage in the financial sector.The financialization of e-commerce has gradually become a hot spot in the society.With the rise of financial e-commerce,out of fear of the impact of financialization and the potential financial risks arising from the excessive development of Internet finance business,the financial supervisory authorities started to conduct a period of more than a year on Internet financial governance in April 2016.The scope of rectification and rectification also includes the financial business of the e-commerce platform.However,the e-commerce financial model has undergone constant changes.Therefore,the regulatory authorities need to make some efforts to perfect the laws and regulations concerning the financialization of e-commerce and establish a corresponding system.It is also necessary to strengthen e-commerce financialization propaganda and risk education to raise people's awareness of e-commerce financialization.During the process of rectification and rectification,the e-commerce platform did not give up its efforts and continued to work hard to develop e-commerce financialization within the principles of reasonable and legal supervision.The enthusiasm of the e-commerce platform is of positive significance to the development of e-commerce financialization.The research of this article is devoted to analyzing the basic factors that promote the development of e-commerce financialization based on the background of internet finance and the resistance problems faced by the development process.lt also tentatively provided some suggestions for the development of financial services for conditional e-commerce platforms,and also provided some policy recommendations for the government to promote e-commerce financialization development and supervision.First of all,this paper analyzes the e-commerce and the e-commerce financialization theoretically,and expounds some of the major resistance issues facing e-commerce in the future development trend and e-commerce financial development.Secondly,starting from the definition of "financialization of e-commerce ",this paper establishes an e-commerce platform to introduce a business revenue model for financial services,and uses the research method of LMDI factor decomposition formulas to analyze the influencing factors and decompose the impact factors into electricity.Business services market activity,network economic development,macroeconomic development,and network penetration rate,through the quantitative analysis of these four factors,found that the four factors have a positive impact on the financial revenue of the e-commerce platform.This proves that the financialization of e-commerce has practical significance in promoting the increase of financial revenue of the e-commerce platform,promotes social and economic development,and at the same time,it also draws a focal point for promoting the development of e-commerce financialization.Finally,combined with the analysis of the influencing factors and the resistance problems faced by the development,the government and the e-commerce platform are proposed separately.