Research On Network Financing Under The Third Party E-Business Platform

In recent years, the transaction size of electronic commerce in China achieved a sustained and rapid growth. It changes people’s consumption habits and modes of business operation of enterprises, penetrated into every aspects of economy and society, and influences the mode of economic operation. E-commerce market makes a huge financial needs, for banks and other financial institutions, and provides new space for development at the same time, and also caused a certain impact on its existing business model. The network financing loans on third party e-commerce platform reduce the cost, improve the efficiency of the loans, increased security of the loans, has more flexible and diversified than traditional financing way. And it has more information advantage in the control of financial risk than the bank, it can grasp the capital flow, logistics and business flow, and can change to the uncontrollable risk into controllable risk business.This paper firstly introduces the concept and characteristics of third party e-commerce platform, meaning and mode of network financing, on this basis it described the operation mechanism about the network financing under third party e-business platform, then it analyses the problems from the industry, platform regulation and law this four aspects, such as the limited scope, the network risk, the different standard on platform, the unshared information, regulatory gaps, lack of clear laws and regulations and so on. Finally it puts forward some corresponding suggestions aiming at these problems, to promote the further development of China’s network finance.