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THE MODE OF P2B NETWORK LENDING OF
HYPOTHECATE OF USUFRUCT FROM BANK’S
ACCEPTANCE BILL
ABSTRACT
At present, the number of small and medium-sized enterprises in China
has reached more than 4700, in Chinese enterprises accounted for more than
97% [1]. Small and medium-sized enterprises can increase employment and
promote economic development and improve the economic structure. Small
and medium-sized enterprises play a very important role in the rapid
development of the national economy. Because of lack of capitals, the
development of small and medium-sized enterprises is not particularly well.
How to solve the problem of financing will be directly related to the better
and faster develop of the small and medium-sized enterprises.
The main reason for the difficult financing of small and medium-sized
enterprises are the high external financing requirement and the small and
medium-sized enterprises’s own reason. On the one hand, the size of the
万方数据
small and medium-sized enterprises are small. They lack effective collateral
and have low credit. Due to lack of capitals, the sustained and healthy
development of small and medium-sized enterprises is affected; On the other
hand, with the rapid development of modern bill payment, the majority of
small and medium-sized enterprises have large amounts of bank acceptance
bills, which will cause the shortage of cash. Excessive bank acceptance bills
and shortage of cash cause a lot of small and medium-sized enterprises’s
financing more difficult.
Of course, the small and medium-sized enterprises also have a lot of
advantag
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