| Compared with traditional financial management methods,bill financing quickly occupied the market of wealth management industry with its high-yield and low-risk advantages,providing investors with a new investment channel and alleviating financing pressure for SMEs.However,due to the lack of a sound regulatory system and sound laws and regulations in the Internet finance sector in China,the Internet bill financing industry has doubts about applicable laws and regulations,which has also led to confusion in the entire industry.Many platforms have developed rapidly,from pure online operation to online and offline operation.They have separated from the positioning of their own information intermediary.They have also served as the functions of credit intermediaries through business “innovation”,which seriously disrupted the order of the market and financial management of Internet bills.The risks of the industry are increasingly prominent.Therefore,strengthening risk prevention plays a key role in the healthy development of the Internet bill financing industry.The first part of the article gives a brief introduction to the status quo of the bill financing platform.The data of the online loan industry generally reflects the status of the bill financing industry,and points out that the development of the company in the entire industry in 2018 points out the crash to the whole The impact of the industry and the reasons for the overseas listing of the bill financing industry.Then this paper sorts out the development history of the bill financing platform,classifies the bill financing platform according to its institutional attributes,and raises the financing of Internet bills from the financing needs of SMEs,the investment needs of investors and the innovative needs of Internet companies.The three angles give the answer.In the end,this paper briefly introduces the three business models of China's bill financing platform by means of graphic and textual combination.The pledge financing is the model adopted in the case of the “Golden Silver Cat” platform.The second part of the article summarizes the operating data and shareholder equity of the “Golden and Silver Cat” platform.First introduced the business scope of the "Golden and Silver Cat" platform and its three main business modules.Then this paper analyzes the business model of “Golden Silver Cat” and analyzes its original “Silver Enterprise Win-Win” model in an anatomical manner,which is simple and intuitive in the form of a table.Finally,this paper expounds the case of the platform crash,and sorts out the regulations of the CBRC on the online loan industry,which provides a legal basis for the analysis of the reasons for "explosion".The third part of the article analyzes the causes of the "Golden Silver Cat" incident from the four levels of compliance,credit,corporate strategy and legal supervision.It is found that the occurrence of this incident is not only the company's own reasons,but investors' The absence of maturity and external regulation is an important reason for the outbreak of the incident.In this part,the author traces the identity of the central enterprise of “Golden Silver Cat”.After checking the enterprise credit inquiry software,it is found that the identity of the central enterprise advertised by the company is extremely hydrated.The fourth part of the article is mainly about the proposal for the healthy development of the bill financing platform.Once finance leaves the regulation,it is like a savage beast,but supervision is not the same as shackles,which makes the company lose its innovation.The supervision here emphasizes the supervision of “after the event”,grasps the formulation of basic business rules,and creates a bill for the financial management industry.Transparent environment.Of course,the improvement of the credit rating system has a negligible effect on the healthy development of the industry.The information disclosure and false reporting of the platform can avoid the troubles of investors' investment decisions. |
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