The Enlightenment of E-commerce Platform Financing Mode to Shaanxi Rural E-Commerce

摘要

At present, various policies have issued by the Chinese government to encourage the development of rural e-commerce. And under this opportunity, shaanxi e-commerce develops rapidly relying on abundant agricultural products resources, however, the financing problem has restricted the further development of shaanxi rural e-commerce. In this paper, the main financing mode, the current rural e-commerce platform and Its process are analyzed, including "e-commerce platform + network consumers + farmers" mode, P2P financing mode of financial services of Ali-ant and the "E-commerce platform + agriculture + crowd funding" mode and other three patterns. At the same time, this paper, combining with the present situation of the development of the shaanxi rural electronic commerce enterprises, summarizes the transformation of the operation mode of rural e-commerce, set up the product standardization, strengthen the construction of e-commerce platform and park, help positively to build rural investment and financing system of shaanxi rural e-commerce enterprises to develop e-commerce platform financing mode so as to alleviate rural e-commerce enterprise financing problem and promote the development of shaanxi rural commercial enterprises.