Study Of Factoring Business Innovation Of Bank Based On P2P Platform In The Internet

Factoring system is a system with a long history, originated in the international trade activities, as a means of settlement and legal system, from the system mechanism on the protection of the international trade activities carried out smoothly, but also effectively promoted the development of international trade and growth. With the continuous development of factoring, factoring has become an emerging service business of financial institutions, to provide trade finance, business credit investigation, sales account management, the management of accounts receivable and credit risks guarantee and other financial services, has become China’s banking financial service innovation mode of the strong grasper, avoid the "homogenization" tendency. In recent years, with the continuous development of Internet and technology, especially in the financial sector, development of online business vigorously, P2 P business has been worried for a new power in the financial field, the rapid development of Internet, the P2 P platform provides a convenient way for banks and financial institutions doing business online, saving transaction costs, improve the efficiency of business development to provide the conditions and environment, also carried out for the bank factoring. Seize the Internet financial development gold period, give full play to Internet users diversified, decentralized, mass effect, and vigorously promote the bank factoring business innovation of Internet based on P2 P platform, is conducive to the innovation of bank business development channels, the transformation of bank service mode, promote the development in banking business differences, enhance the core competitiveness of the bank. At the same time, it can resolve the problem of small and medium-sized enterprises financing, give full play to factoring business bank to expand the intermediate business income, solve the financing problem of small and medium-sized enterprises, to promote the sustained and healthy economic development to create a good environment.This paper mainly from four aspects, the research described. The first part is the introduction part. Mainly introduces the background and significance of the research, analysis of the relevant domestic and international factoring business development on the status quo and the Internet financial development status quo of the research, introduces the research content and research method. The second part is a summary of factoring theory and the present situation. Mainly introduces the concept, the classification of factoring, factoring, expounds the basic process of factoring business, the status quo of factoring industry development are analyzed. The third part is the analysis of current situation of the development of the Internet financial P2 P platform. On the internet finance are defined, from the three aspects of the Internet, the Internet financial development financial main business model, Internet financial advantage, and summarized the general situation of the Internet financial P2 P platform. This paper analysis the main problems of the internet financial based on P2 P platform. The forth part is the study of factoring business innovation of Internet based on P2 P platform. From the formation of relatively complete non bank loan financing system, supply chain finance accounts receivable management, increase the intensity of three aspects of capital accumulation, a study was conducted to explore the bank accounts receivable of. From the factoring credit process improvement and simplification, based on improved, explore the establishment of network operation and management mode based on business operation mode of the Internet, the Internet P2 P platform based on factoring business process optimization. From improving information transparency, reduce factoring financing business risk; effective access to information, precise positioning of the target customers; with the help of "big data", re positioning of the factoring business in three aspects, preventing business risks using the Internet P2 P platform "big data". In order to provide some beneficial reference and reference of factoring business innovation and development of Internet based on P2 P platform, promote the healthy and sustainable development of China’s financial industry.