With the rapid development of the foreign trade e-commerce industry, there are more and more small and medium-sized enterprises. However, small and medium-sized foreign trade e-commerce enterprises have weak own strength and ability to deal with risks. Financing has become one of the problems that this industry must solve. Foreign trade e-commerce loans emerged as the times require. This is a brand-new form of online finance, which is based on the development of the Internet and big data informatization. Currently, there are three main types of foreign trade e-commerce loan models.
1. Third-party data platform cooperates with banks
This type of loan means that the platform uses its powerful data system as a credit basis, and the various operating trajectories of the company on the platform are all It can be used as an accumulation of corporate credit. Depending on the level of the company on the platform, the amount of financing the company can obtain will also vary accordingly. This type of financing model requires enterprises with financing needs to submit loan applications to a third-party data platform, which will then be reviewed by the platform. After the platform passes the review, it will be submitted to the bank for secondary review to confirm qualifications before lending.
2 Using third-party platform financing
Using third-party platform financing mainly refers to the direct provision of financing services by strong third-party platforms (such as the Bridge Loan business that continuously collects cross-border payments) , this financing process requires the financing company to submit an application online, and the platform will conduct qualification and credit review, and the loan can be issued after passing the review. This fundamentally solves the problem of information asymmetry between enterprises and lending institutions, making it easier to reach consistency.
3. P2P financing model
P2P has become quite popular in the Internet financial market in recent years. From enterprises to individuals, as long as their creditworthiness meets the standards, they can obtain unsecured and unsecured financing. In this model, the borrowers and lenders do not know each other, but they can achieve a win-win situation through the P2P platform. Its biggest features are its wide radiation range and fast lending.
At present, the scale of third-party platforms is constantly expanding, and they are constantly developing between borrowers and lending companies. Financing products with great influence have emerged such as Yidatong’s foreign trade financing products, Dunhuang e-Botong, and Alidai. Under their guidance, there have also been a series of P2P online loans that have been integrated into the foreign trade e-commerce finance industry. However, corporate loans are still risky, and each company must choose a more reliable institution before applying for credit.