| With the development of e-commerce,e-commerce finance(commonly known as e-commerce Finance),which is born around e-commerce platform,has also developed rapidly.E-commerce finance has brought new business growth point and new influence to our country’s financial market,and promoted the economic development of the whole society.Now our country’s e-commerce financial platform is increasing year by year,from the 2000 or so sprout rise,to now many competing;from the beginning of a single model,up to now,there are all kinds of financial products in e-commerce financial market,and the development of e-commerce finance presents the trend of diversification,refinement and humanization.The diversification of e-commerce finance is reflected in the fact that,at the beginning of its rise,e-commerce finance was only financing around suppliers in a monotonous way,but now,the main products,such as those from upstream suppliers,middle traders,warehousing companies and consumers,have flourished in the market The refined development of e-commerce finance is reflected in the types of financial products,from the beginning of the monotonous only collateral/pledge products,up to now,it includes many kinds of financial products,such as order financing,pledge/transfer financing of Accounts Receivable,pledge financing of inventory,consumer finance based on e-commerce platform,etc.,it shows that the refinement of e-commerce finance is deepening step by step;The humanization development of e-commerce finance is mainly embodied in the transfer of Financial Center.In the earliest time,the emergence of finance is centered on the capital side and belongs to"Seller’s market",the competition among financial institutions is also increasing.It has been transformed into a multi factor system that revolves around the borrower,the capital side and the repayment enterprise,develop more appropriate and matching financial products.It is not difficult to predict in the future development,e-commerce financial industry will have further positive development.With the rapid development of e-commerce financial industry,a number of issues reflected in the market also emerged in front of us,any industry in the development process will encounter such and such problems,even though the current e-commerce finance to a certain extent makes many manufacturers,suppliers,enterprises,consumers and other financing needs to be met,however,it shows some risk signals must arouse our vigilance,only by keeping pace with the times,finding and analyzing problems in time,can we better solve the problems,guide the whole industry’s planning and promote the positive development of the whole industry.This thesis begins with the subject of risk management of e-commerce finance,expounds the present situation of e-commerce finance,and then introduces the concept and characteristics of e-commerce financial products,next to this kind of product in the future may present the development trend,the risk signal which exposes at present carries on the analysis,the research,hoped that can have the pertinence to put forward the Guard suggestion,contribute to the healthy development of the industry. |
