The Legal System Research Of The Microfinance On E-Commerce Platform

At present in our country electronic commerce development momentum is swift and violent, already to our country national economy all aspects of life and the structure of the national economic development has a certain degree of influence. A few years ago, China’s network business platform, most merchants by the international financial crisis, but in their own efforts, still made a relatively stable and sustainable development. With the deepening of the cooperation between each version, development prospect of roads and began to enter a seeking common ground while putting aside differences, flowers, and actively with the international network shopping platform to carry on the practice and study, making itself more rapid development. At this moment, the electronic commerce to prop up the startup by the merchant to be more perfect and the positive role to play, in the market of several major e-commerce giant such as taobao, jingdong, a new type of platform has become the most watched in the past two years, led the climax of e-commerce platform business.There is no doubt that today’s electronic commerce from both increase employment, promote the national consumption level, and promote the flow of goods have played a role that nots allow to ignore., of course, with give him different breadth and depth of development, the group no matter from the quantity and quality of expansion, it is the demand for money from objectively led to the electronic retailing also accompanied by increases with the increase of trade, to the importance of the financing problems. Once the lack of enough cash flow to flow, will lead to many trading links could not go smoothly, will essentially hindered the development of online merchants. How to use a given cost in a short period of time to create more profit has entered a bottleneck period, thus pushing finance into the development of the first, how to carry out financing support for electronic retailing is becoming more and more notable.In this development environment, and with the penetration of Internet technology, alibaba microfinance companies(hereinafter referred to as ali small loans) arises at the historic moment, opens the electric business microfinance mode in our country. Assuming that the electricity microfinance in larger social background, in the process of the development of both modern and internationalized will some universal laws have sprung up in this range. Give him a booming year was 2014, six major electrical manufacturers choose to build their own e-commerce platform, expand micro-credit business, trying to share in the credit environment. At the same time, electricity after harvest relatively ample liquidity is also facing the risks and challenges, it also has become a must be taken into account in the process of modernization and internationalization.The first part of this paper is mainly the basic theory of e-commerce microfinance overview, electricity microfinance definition of related concepts, characteristics, application scope and the development of the practical value of the electricity business credit. There is no doubt that today’s electronic commerce from both increase employment, promote the national consumption level, and promote the flow of goods have played the role of nots allow to ignore, to improve the liquidity of the national economy has played a certain effect. This article first from the perspective of electrical business credit meaning, in order to reform and development of e-commerce platform of microfinance Suggestions are put forward.The second part is mainly introduced in this paper the development of the e-commerce platform of microfinance, alibaba, for example, specifically including e-commerce platform of microfinance development stage, the development characteristics of e-commerce platform microfinance, e-commerce platform advantage of microfinance. Assuming that the electricity microfinance in larger social background, in the process of the development of both modernization and internationalization will be within the scope of the present some universal laws.In this paper, the third part is the status quo of e-commerce platform microfinance analysis, first what problems in the analysis of e-commerce platform construction, next to the relevant laws and regulations, summarized the status quo, summarizes and induces again microfinance e-commerce platform of the shortcomings of the existing legal system.In this paper, the fourth part is to perfect the legal system of electronic commerce platform microfinance Suggestions, from electric business platform of microfinance admittance threshold, risk regulations, industry standards, reference platform, data system construction is relatively feasible suggestion is put forward.