网商盘活第三方结算平台沉淀资金的对策研究

网络交易中各业务环节的时间延迟导致网商的销售款大量沉淀于第三方支付结算平台,由此导致网商面临营运资金吃紧、资金成本提高、财务规划困难和资金链脆弱等问题。买方、卖方、结算平台3方在沉淀资金盘活方面具有高度的可协调性,同时法律法规也提供了沉淀资金盘活的政策空间。网商可以通过签订循环融资协议直接盘活结算平台的沉淀资金,也可以通过对备货延迟、物流延迟和付款指令延迟的管理,实现对货款周转期的压缩,从而抑减沉淀在结算平台的资金规模。

On How to Revitalize the Deposit Capital on the Third Party Payment Platform as Online Traders

The delay in each step of online transactions leads to a large amount of sales revenue depositing on the third party payment platform,which results in problems,like the shortage of operating funds,the increase of capital costs,the difficulties in financial planning and a fragile capital chain,as to online dealers.As buyers,sellers and the third party payment platform,they mainly take active attitudes towards the coordination and cooperation to revitalize the deposit funds and laws and regulations stand on the side of the revitalization.E-traders can liquidize the deposit capital directly by circulation financing agreement.Moreover,they can shorten the turnover time through the management of goods preparation,logistics and payment in order to reduce the capital deposited on the third party platform.