An Investigation Report On The Development Of Accounts Receivable Financing Service Platform In Bengbu City

Domestic financial market practice and international experience show that accounts receivable financing is an effective way to alleviate the financing of small and medium enterprises.In 2013,the People's Bank of China's credit information center organized a collection of accounts receivable financing service platform,through the Internet for accounts receivable creditors,debtors and fund providers and other participating agencies to provide information cooperation services to facilitate more accounts receivable and Institutions involved in the accounts receivable financing business,to promote the financing of accounts receivable financing and small and medium enterprises to solve the problem of financing,in the country has achieved good results.This paper chooses Bengbu City to carry out research on the development of accounts receivable financing service platform.In this paper,the background and significance of the research,research and arrangement are discussed.According to the background and significance of the research,the small and medium-sized enterprises in Bengbu City have made use of the platform to carry out the problem of the low degree of participation of the accounts receivable financing business.Next,this paper analyzes the operation of the accounts receivable financing service platform in the whole country and the operation situation in Bengbu City respectively.From the national operation situation,the accounts receivable financing service platform to promote the application of work continues to promote the business scale continues to expand,more than 60% of the funds into small and medium enterprises,the two existing financing model platform is better use,platform Function better play.Bengbu City,the operation of the situation,Bengbu City has to carry out accounts receivable financing business banking network has been completed in the basic registration,the demand side of the user has successfully registered more than 300 households,empirical research also shows that the platform to join On the small micro-enterprises to obtain financing has a positive role in promoting,but the flow of funds,accounting for less than 20% of the large enterprises to obtain more than 70% of Bengbu City,accounts receivable financing funds,more small and medium enterprises Has not been met,therefore,this article choose to understand the way to understand the Bengbu City,the participation of institutions on the attitude of the platform to understand the small and medium-sized micro-enterprise participation is not high reason.The survey of the main choice of the questionnaire survey,respectively,Bengbu City,the accounts receivable financing services platform for funding providers and funding needs of the parties to investigate,the two sides highlight the following findings: the relevant laws and regulations imperfect restrictions on the receivable The development of the account financing business,the participation of institutional awareness is not enough to reduce the willingness of banks and enterprises to participate in the imperfect platform function hindered the practical use of the platform.In the end,for the Bengbu City,the accounts receivable financing service platform in the development process found these problems proposed countermeasures,one is to improve the laws and regulations,the accounts receivable financing business processes,clear responsibility;To further strengthen the publicity,enhance corporate awareness,it is necessary to give full play to the relevant staff of the subjective initiative should also actively use the phone public number and other gadgets;third is to further accelerate the development of platform functions,so that the platform can dock more information services window.