The Third Party Trading Platform Network Lending Model And Credit Mechanism Research

With the vigorous development of the Internet financial,related credit problem has extremely influence its development mode.In traditional loan relationships,enterprise's credit evaluation more depends on the enterprise financial information,However,for small micro enterprise,It is difficult to provide effective financial statements to the bank and the relevant enterprise financial information,thus caused the small micro enterprise financing difficulties.In addition,with the continuous development of information technology and enterprise information,In the process of network transactions Electronic commerce enterprise accumulated vast amounts of data.With big data applications,the network finance launched by Third-party e-commerce service providers is gradually accepted by the masses of small micro enterprises,it provides a new platform and patterns for small micro enterprise financing.E-commerce market prosperity and development,A large amount of trading capital and trading information accumulation and precipitation accelerated the third-party trading platform businesses to provide Commodity Exchange and communication services to consumers,and further expanded the function of the enterprise and the consumer financing services.Under rapidly development of e-commerce of the domestic,the real-time and dynamic environment of e-commerce transactions,Non-financial information and dynamic information of the third party trading platform accumulation of enterprise management,as well as the credit evaluation system for small micro enterprise from platform provides a convenient conditions to realize the network finance for the enterprise.This paper try to study the third-party trading platform of network lending model--one of the financial model of the Internet and its operation mechanism,on the basis of reading literature,case studies,and game analysis and mathematical modeling method for the effective operation dependent credit mechanism through theoretical and The mathematical derivation studies.First of all,identified network lending operation mode of the third party trading platform;Then,perspective of the typical network lending model running mechanism and credit mechanism;finally,discussed the small micro enterprise of the third platform transaction records,social behavior,data,and used the credit evaluation system as the breakthrough point,Research on the third party trading platform of network financing mode of enterprise credit assessment mechanism,reputation mechanism and guarantee mechanism,expected through modified institutional arrangement of small micro enterprise network lending modes to improve the financing third-party trading platform of network in solving the purpose of the network small micro enterprise financing efficiency.Thesis topic comes from the national natural science fund project "e-commerce trading platform financing mode and strategy research orient to small micro enterprise(code: 71272234)" part of the research content.Paper's main work and innovation point has the following several aspects:1.The analysis of the third party trading platform network lending patterns.From loan,loan guarantee way and loan financing source the three aspects has carried on the classification for lending model based on third-party trading platform of network,and the mechanism of various operating modes has carried on the theoretical analysis and sum up by the graphics tool.2.The pattern of third-party trading platform network lending credit mechanism research.Through analysised the third party network based financing mode and operation mechanism to find the inner running mechanism is derived from the third party trading platform trading information as well as the accumulation of trade credit.Applied the mathematical derivation verifies the theory of the mechanism of network borrowing pattern of credit mechanism due to information asymmetry caused by the mechanism of the moral hazard.3.The third-party trading platform of network credit model research.This part mainly used game theory which is one of the information economics mainly analysis method,the paper focus on several research questions separately by Game analysis:(1)the influence of network credit evaluation to network borrowing enterprise's reputation;(2)in the process of borrowing cooperation,"bank" & "electricity business" ‘s network moral hazard problem;(3)online Supply chain loan pattern opens up new financing channels for small micro enterprise by means of electric business platform credit information and counter guarantee mechanism;(4)the mechanism of the network group lending mode business platform.Expected the study provide beneficial supplement for based on third-party trading platform of network lending model theory system.