Research On The Legal System Of Internet Business Factoring

Internet commercial factoring is a new economic development mode which combines Internet with commercial factoring.It breaks through the limitation of traditional commercial factoring in information,security and other aspects,and realizes the lending and factoring of Internet platform.However,there are many problems in the development of Internet commercial factoring,such as the inaccurate legal positioning of Internet commercial factoring,the lack of legal supervision of Internet commercial factoring,the lack of credit management system of Internet commercial factoring and the insufficient protection of investors' rights and interests.These problems are not only the traditional business.The problem of factoring continues,and there are new problems arising from Internet factoring.In order to further promote the healthy development of Internet commercial factoring,we should first make clear the legal position of Internet commercial factoring,and make it clear that it is a comprehensive financial service,like traditional bank factoring,and on this basis,we should carry out special business norms for Internet commercial factoring.Strengthen the legal supervision of Internet commercial factoring,clarify the legal status and rights and responsibilities of the supervisory subjects,set the threshold of market access reasonably,establish a communication and coordinationmechanism,and strengthen the disclosure of information on Internet commercial factoring;furthermore,we should strengthen the credit management system of Internet commercial factoring,establish and improve the credit system and the large number of industries.Finally,we should strengthen the protection of investors' rights and interests,set up the pre-education of Internet factoring investors,introduce the third-party guarantee mechanism,establish and improve the investor protection organization system,and diversified dispute resolution mechanism.