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E-commerce is financialized

2019-10-30 来源: 51Due教员组 类别: 更多范文

下面为大家整理一篇优秀的assignment代写范文- E-commerce is financialized,供大家参考学习,这篇论文讨论了电子商务金融化。在互联网发展的时代下电子商务产业迎来了全新的发展契机,其自身的发展规模不断扩大,内容也都不断创新,近些年电子商务产业和金融行业实现了紧密的融合,呈现出电子商务金融化的发展趋势。就当前的市场经济环境来看,电子商务金融化整体的起步和发展阶段比较晚,市场上所谓的电子商务金融化主要针对电子商务企业依托自身的信息和网络平台实现与现代化银行以及金融机构等的合作,推出一些网络银行以及互联网金融产品。现阶段电子商务金融化主要产品内容为第三方支付、在线理财产品以及提供的金融中介服务等。

Since the 21st century our country of network technology and information technology has been the development of comprehensive, greatly promote the rise of e-commerce industry, with the market economy and the change of environmental requirements, e-commerce industry are also continue to expand their business content, innovation of e-commerce financialization, to a certain extent, effective development of the financial market in our country, the innovation of the diversification of financial instruments, through the contrast analysis of the current lack of the development of e-commerce industry financialization, combining the demand of our market main body to provide scientific advice to the development of electronic commerce financialization.

In the era of the development of the Internet e-commerce industry ushered in the new opportunity of development, its development scale, content innovation, e-commerce industry in recent years and the country's financial industry to realize the close fusion, presents the trend of the development of electronic commerce financialization, so-called e-commerce financialization, academic fields in our country has not a clear definition of the concept of specific to its, in the context of our current market economy environment, e-commerce financialization start and late development stage, the overall The so-called financialization of e-commerce in the market is mainly aimed at e-commerce enterprises relying on their own information and network platform to realize cooperation with modern Banks and financial institutions and launch some online Banks and Internet financial products. At present, the main products of e-commerce financialization are third-party payment, online financial products and financial intermediary services. The most representative is yu 'ebao financial services developed by alibaba group.

Internet development trend of the era of financial e-commerce financialization, fully implement the e-commerce industry and financial industry resources, effective integration of the financial industry can carry e-commerce industry development opportunity as well as the technical conditions of further innovation own product structure, expand the main body of the finance, the financial products and financial services more convenient and the information, really meet the demand of modern financial main body products, can fundamentally promote the steady development of China's financial industry and financial markets.

E-commerce financialization its financial products and services introduced by the threshold is relatively low, can effectively meet the financing needs of modern small and medium-sized enterprises, under the background of traditional small and medium-sized enterprise financing are predominantly bank mortgage loan, the loan process trival, not only can lend money at the same time also is limited, can not fundamentally meet the financing needs of small and medium-sized enterprises, and with the development of electronic commerce financialization, its convenient borrowing service for modern small and medium-sized enterprise financing provides a new channel. For small and medium-sized enterprises, not only the financing cost is greatly reduced, but also can quickly raise the capital needed by the enterprise.

Although in recent years obtained the rapid development of China's e-commerce industry, but the overall development of electronic commerce financialization infancy is relatively late, though the e-commerce platform launched by more and more diversified financial products and tools, but on the whole is lack of system perfect electronic commerce financialization industry norms, on the development of alibaba group's e-commerce financialization case studies, it presents an industry more lateral development model, from taobao, mature Tmall e-commerce industry development to financial services, such as integration of the industry market resources. However, in the process of its rapid development, on the one hand, there is still a lack of effective industry reference experience, on the other hand, the current policy or industry norms are not sound, the development of e-commerce financialization is still faced with great market risks, which is difficult to protect the interests of financial subject investment to a certain extent.

From the current our country the developing trend of the era of the Internet financial, social investment subject for e-commerce financialization overall awareness is not high, many e-commerce enterprises are small and medium-sized enterprises, in the financial business in the process of the lack of effective market influence, it is difficult to cause social attention to the financialization of e-commerce. Secondly, there is a polarization in the cognition of investors towards the financialization of e-commerce in our society. Many young people of the new generation have a preliminary understanding of the financialization of e-commerce due to their extensive attention to Internet financial products. However, for most people, it is difficult to fully understand and understand the financialization of e-commerce, and the risk awareness is not high, which greatly affects the development of e-commerce financialization to some extent.

Now in the era of Internet financial development in our country, while some e-commerce platform has extended its own financial business, but in the process of the development of electronic commerce financialization still faces many obstacles, the macro regulation system in China are not perfect, first of all, in the electronic commerce platform and financial products will exist in the process of the butt of many loopholes, e-commerce platform for the regulation of the financial risk level is not high, and the traditional financial industry compared to diversified supervision departments and agencies, its obvious deficiencies still exist in the aspect of market regulation. Second, as the change of China's e-commerce market environment, our country in view of the e-commerce industry policy and system adjusted every year, many content and service standards for e-commerce financialization, etc all have no clear specification, this greatly affected the financialization of e-commerce market of self-discipline, and further increased the instability of financialization of e-commerce development.

As the financial market in our country electronic commerce financialization products more and more, in order to further standardize the financialization of e-commerce development in our country, also need to actively develop system perfect industry standards, the financial industry, can't simply use or e-commerce regulations to manage e-commerce financialization, it needs to be fully based on the current our country electronic commerce development characteristics and trend of financialization, formulate unified industry standards. Can also set up specialized electronic commerce financialization industry association, provide industry guidance for the development of electronic commerce financialization, at the same time also can provide effective constraint effects on the growth, to give corresponding punishment in violation of the regulations of industry enterprise, to the stable and healthy development of the our country electronic commerce financialization.

In order to guarantee the main interests of social investors in our country, we need to further strengthen the effective supervision of the financialization of e-commerce. First, you can actively give perfect, from the Angle of policy and institutional level to achieve the development of electronic commerce financialization, there are laws in electronic commerce and specification of the system of the financial industry to further refinement of e-commerce financialization system content, effectively make up for the blank financialization laws in electronic commerce in our country, effectively promote the practice of China's e-commerce financialization legal policy innovation. Secondly, for the existing policy content and the development of the industry conflict should be further revised and improved, so as to avoid e-commerce financial enterprises to take advantage of the loopholes of the law. In addition, China should further strengthen its effective supervision, effectively innovate traditional financial supervision methods, and take diversified financial supervision means according to the characteristics of Internet finance.

From the point of view of the current e-commerce enterprises, in order to better promote the development of e-commerce financialization, we should also actively promote the existing talent team, and introduce and train professional e-commerce financial talents. First of all, it is necessary to clarify the requirements of talents, who should not only have certain experience and technical skills in e-commerce management, but also have professional theories in the financial field to provide scientific guidance for the development of e-commerce financialization. Secondly, for existing employees, in the face of the development trend of the industry and the adjustment of the business content, employees should also actively improve their learning ability to adapt to the development environment of e-commerce financialization.

To sum up, the financialization of e-commerce is a new development trend of Internet finance in China. It fully realizes the integration of e-commerce industry and financial industry, which is of great help to the improvement of China's market economy.

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