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Assignment代写:The Fintech

2018-01-24 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- The Fintech,供大家参考学习,这篇论文讨论了金融科技。近年来,金融与科技的融合突飞猛进。在金融科技的推动下,在金融与商业领域,一大批新技术、新业态、新模式、新企业应运而生,迅速而深刻地改变着人们的生活方式,对中国经济的转型升级也起到了积极的推动作用。金融科技目前还处于高速发展的早期阶段,其发展前景不可估量,未来的竞争格局也令人充满遐想。

Fintech,金融科技,assignment代写,paper代写,留学生作业代写

Recently, according to reports published by authoritative research institutions, global fintech companies have received 10 times more investment from 2010 to 2015, with 73% of the money flowing to tech-finance companies related to individuals and small micro-enterprises. You know, personal and small micro-enterprise customer-related business currently accounts for 46% of global banking profits, is an indispensable profit point of traditional banking, has become a fintech into the financial field of the breakthrough and the main application areas. With the low threshold of payment and borrowing and the relatively loose government supervision, the benefits of technological renewal are very obvious. In view of this rapid development of the new financial model, this article will be from the following three aspects of the analysis:

The first is the ability to innovate, which is the secret of fintech success. In general, they are small, flat, less complex internal consumption of traditional financial institutions, and they are relatively tolerant of regulation, can try more updated areas. Fintech has focused on a group of smartest financial practitioners, fintech redefining the way we access financial services, such as PayPal and Alipay. They are constantly updating their own algorithms and models, redefining the business, so that products with the times, such as the ant gold clothing with thousands of people professional scientific and technological research team, and constantly try to innovate to find new direction, such technical team is a traditional bank several times.

For many fintech, the core idea of their business is to provide a good platform-linkage product ecosystem, can allow each product to form a linkage to attract customers, such as ants, such as gold clothing, Baidu Financial and so they are trying to establish a complete financial ecological circle, so that users can achieve in the platform of all financial related needs. That's why ant suits are valued at least 60 billion dollars.

In this age of large data, with the rapid breakthrough of machine learning algorithms and the rapid development of computer technology, many things that could not be achieved in the past now become possible, cloud computing technology greatly improved the ability of computer processing data. Fintech companies to buy information or web crawler to Third-party agencies to collect information, has a large number of users online under the line of life in various aspects of behavioral data, to provide customers with the guide-oriented, customized services. The emergence of machine learning makes the model easier to fit non-linear data and more accurate to find bad people. Of course, traditional financial institutions are also intensifying research and application in this area, such as block chain research.

Compared with the traditional financial institutions need a large number of personnel for audit, follow-up and approval, fintech rely on the scale effect greatly reduced the cost of human resources. For example: credit loans, the use of models for automated approval, as long as the model developed, the number of technical team does not need to increase with the number of customers.

90% of financial innovation is to avoid regulation and health, and other regulatory pursuit of innovation, people will start to pursue new innovation. Fintech's boom was built on the cracks in the increasingly draconian regulation, which fintech to avoid a variety of capital and compliance requirements because it was not covered by the bank's shell. But once the regulatory efforts are strengthened, the existing space for development will be fintech and costs will rise, and the comparative advantages of the traditional financial institutions will be reduced correspondingly.

Fintech's early start, the investment community and consumer confidence in fintech company is not stable, such as this February Lending Club due to the audit process irregularities led to CEO turnover and market capitalisation is an example, Spuare Inc's IPO last December raised only 75% of its target funding, which has cast a shadow over fintech's development. At the same time because the entry threshold of the industry is much lower, fintech companies emerge, a mixed bag, which is not qualified, and even the company of bluffing. This year's e-rent and other events to China's entire peer-to-peer industry reputation has been seriously hit.

For most fintech companies, the future success will depend on their ability to survive a complete economic cycle, as we mentioned earlier, fintech's wind-control capacity is much weaker than that of traditional banks. Especially in the lending industry, there is no obvious risk in the process of economic cycle, and in the downward of the economic cycle, the risk of bankruptcy will be caused by the sharp rise of default rate. And a lot of fintech is in the initial stage, not enough mature products and large user groups, but not start to profit, they will face a long-term test water stage, the final fittest, merger and integration.

Many fintech in the local market bigger and stronger, will breed an idea-----capture the global market, when coverage reaches a certain limit, the marginal benefits of market expansion is always diminishing marginal. To global market development means more than 6 billion of potential customers, which also contains a large number of merchant resources. These merchant resources are invaluable because they are usually able to generate more profits by driving local demand. The ultimate goal of the globalization strategy will be to achieve borderless trade, but the expansion of globalization is difficult, on the one hand, from the need for huge experience and capital investment, on the other hand, many governments to local industry, especially the financial sector. A typical native case is the ant costume, which uses partner resources to communicate and gain trust from the local regulatory level. The 2015 ant costume invested in an Indian company One97 Communications. The company is the parent company of India's largest mobile payment and business platform, Paytm. This year Alipay and a German mobile payment company Wirecard to negotiate acquisitions, the company provides a variety of online payment products solutions.

In the long history of the past, it has been felt that banks only serve the rich, and that poor people or individuals and institutions with higher credit risk are not favoured. However, this is the fintech is opening up a blue sea, but also for the welfare of the community for the benefit of the people, that is, what we call the Pu-hui finance. Fintech is creating a new and Low-cost financing channel for college students without income, small micro-enterprises seeking financing, and the underdeveloped rural population. Data show that the number of banking services in developing countries is only 41%, compared with 89% in developed countries. Fintech can help groups that are not covered to store their money and loans more securely, and do not have to worry about carrying large deposits when paying. Of course, the risk of wind control will undoubtedly be brought about by the inclusion of the people outside the traditional banks in the financial system without discrimination. Therefore, fintech needs to strengthen the wind control by means of technology, so as to experience the blow of economic recession and realize the profits of the finance of Pu-hui.

Although fintech menacing, the traditional banking has brought a huge shock, but in the long run, in fact, fintech and traditional banking challenges and opportunities coexist, mutual cooperation is the general trend. First of all, faced with the challenges of fintech, many large enterprises tend to choose the most direct means: cooperation, mergers and shares have a certain amount of traffic and influence of the fintech company, to make up for their own business deficiencies, promote the development of the enterprise's own ecological circle. In August 2015, Goldman bought $17 billion trillion of $18.2 billion trillion of Gecapital's industrial bank entities and will buy GE's specific technology for managing online banking platforms. Secondly, the exchange and flow of technology and talents can undoubtedly promote the growth of each other's enterprises. The traditional bank has very valuable experience, at the same time has many wind control experts to be able to deal with each kind of abrupt situation in the market, but fintech has the formidable technical research and development team, uses the database and the model to systematically explain predicts the market movement, has greatly reduced the labor cost. Finally, traditional banks can also set up their own High-tech Digital research and Development center, from the internal incubation of fintech-related business. Anglo Express set up a large data lab four years ago, taking the lead in applying the latest machine learning algorithms and making it a pioneer in the industry.

In this fast-changing financial dt era, financial institutions are like rowing against the tide. This is the best of times and the worst of times. In the foreseeable future, there will be more integration and reorganization between fintech companies, fintech companies and traditional financial institutions, and through a baptism of two economic expansion and recession cycles, the real fintech giants would be born with homeopathy.

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