The Research On Accounts Receivable Trading Platform Which Is Based On Internet

The lack of effective collateral is an important factor constraints of small and medium-sized enterprises financing from commercial banks. In the current business environment in our country, every small and medium enterprises have a large number of accounts receivable. How to use these large amounts of accounts receivable financing, it has become the main demands of SMEs financing. Accounts receivable trade market supply and demand imbalances, direction of commercial bank as well as business factoring companies, granted to SMEs the supply of funds was limited. A large number of accounts receivable has seriously affected the operation and development of SMEs. By accounts receivable financing to meet funding needs of enterprise development problems to be solved. Unlike today’s common accounts receivable financing, the paper analyzes the advantages and disadvantages of existing accounts receivable financing service platform, proposed new accounts receivable financing platform is based on internet. Accounts receivable financing will achieve marketization. Direct transaction financing models are of great significance for improving the financing convenience, ease the financing of SMEs and to improve financial efficiency and establish a multi-level capital market.In this paper, with case studies, qualitative analysis, supplemented by some quantitative analysis. This article describes the development situation of domestic accounts receivable services platform analyzes the advanced foreign accounts receivable financing service platform TRE, and found some valuable experience for us. We selected a typical accounts receivable financing service platform "Haihui financial receivables service platform" as a case, its detailed analysis, including its overall business model, operational model and the main parties involved. The platform exists as a single business model, innovation is not enough, and over-reliance on the role of the management company and other issues. To solve these problems, the paper proposed recommendations to improve Internet-based accounts receivable financing service platform. The proposed platform with the Chinese People’s Bank credit system, China People’s Bank pledge registration system networking, strengthen risk prevention and control. This article is designed for the platform rich variety of businesses, including basic trading accounts receivable, accounts receivable, financial services support, special trading accounts receivable and a series of supporting value-added services. To promote the development and innovation of accounts receivable financing through the construction of the platform, to help more SMEs, especially urgent need for funds for non-trade-oriented manufacturing enterprises and innovative enterprises to obtain financing. At the same time, promote our accounts receivable financing for better development and innovation.There are two aspects of innovation of this paper point. One is through detailed analysis of receivables Haihui financial services platform, find its over-reliance on the role of management, to accounts receivable information regulation and credit agencies to find and match both rely on management, complete, and the experience of management of these aspects are limited. This pattern against the development of the platform. The second is to build a new accounts receivable financing service platform conception, the platform colleagues proposed line of credit systems, pedestrian pledge registration system for networking, to achieve better risk control.