Legal Regulation Of The Internet Receivables Guaranteed Financing Service Platform

The Internet accounts receivable financing model is one of the models under Internet factoring.The construction of Internet receivables guarantee financing service platform is not only conducive to alleviating the financing pressure of small and medium-sized enterprises,but also provides a new way for commercial factoring companies to refinance.It is the innovation and attempt of Internet finance.At the same time,Internet finance is a double-edged sword,the current situation of legal supervision of the platform has many problems,development is facing challenges.This paper discusses the legal risks faced by the Internet secured financing platform of accounts Receivable through the introduction of the Internet Receivable guarantee financing Service platform and its business model,and discusses the legal risks faced by the Internet Receivable secured financing Service platform in light of the current legal environment.This paper points out and analyzes the three main legal problems of the platform,puts forward corresponding suggestions,and further designs the legal supervision system of the Internet accounts receivable financing service platform from the angle of legislation and law enforcement.So that the platform can flourish under the premise of legal compliance.In addition to the introduction and conclusion,this paper is divided into four chapters:The first chapter mainly introduces the concept of Internet accounts receivable financing model,the main platforms at home and abroad and the development trend,and analyzes the deficiencies of the legal supervision of the platform at present in China.Explain the importance of legal supervision of financing service platform.The second chapter mainly analyzes the three main legal problems of the Internet Receivable guarantee financing Service platform,combining with the current domestic financing business and regulatory status.This paper analyzes the development of Internet accounts receivable financing service platform from three aspects: the qualitative of the platform,the flaw risk of the accounts receivable itself and the protection of the platform participants’ rights and interests.On the basis of the above.The third chapter points out the defects and deficiencies in the operation and supervision of the Internet Receivable financing Service platform in China,which is reflected by the three main legal issues.And from the platform nature analysis,the identification and prevention of accounts receivable defects,investors’ rights and interests protection approach to the platform appeared in the practical issues proposed to improve the construction,and discussed in the existing legal framework,the rationality and limitations of the measures.The fourth chapter mainly discusses the design of the legal supervision system of Internet receivables guarantee financing service platform.On the basis of the objectives of financial security,financial efficiency and investor protection,it is proposed that the legal supervision of Internet accounts receivable financing service platform should uphold the principles of both financial security and financial efficiency,and adhere to the principle of investor protection.On this basis from the micro and macro perspectives of the platform of legal supervision system design.The author believes that legislation should innovate the concept of financial supervision,clarify the legal status and responsibilities of the subject,establish a sound regulatory and regulatory system,establish a regulatory communication coordination mechanism,regulate entry barriers,and strengthen business review.We should strengthen information disclosure and attach importance to the pre-investment education and post-investment protection of investors.Perfect industry credit evaluation system,establish scientific dispute resolution mechanism,Internet financial participant protection mechanism and other supporting mechanisms of legal supervision.