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美国作业代写:The service form of internet financial

2017-12-23 来源: 51due教员组 类别: Paper范文

下面为大家整理一篇优秀的paper代写范文- The service form of internet financial,供大家参考学习,这篇论文讨论了互联网金融的服务形式。“互联网金融”服务顾名思义是“互联网”和“金融”的结合,但其核心却是“金融”,互联网金融服务是以互联网的思维和技术去实现对人们的金融服务。从目前互联网金融服务发展的情况来看,互联网金融服务主要能够满足人们的四种需求,即支付的需求,投资的需求,融资的需求以及风险管理的需求。

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Internet Financial Service is to realize the financial service to people with the thinking and technology of Internet. In view of the current development of Internet financial services, Internet Financial services can meet the needs of four kinds of people, that is, the demand of payment, the demand of investment, the demand of financing and the demand of risk management. Internet payment mainly uses the payment form of the third party payment and the network bank. Investment and financing needs mainly rely on network banks, network, network assets trading platform, network micro-loan, network funds, network Securities and other methods to complete. The risk management demand relies on the network insurance, the network credit, the financial product search engine to realize.

In recent years, the concept of Internet financial services suddenly hot up, the third party to pay for years of development has substantially changed people's living habits, the traditional financial industry such as banks, securities brokers, funds, insurance institutions, traditional business has been comprehensively impacted, the securities market brokerage business has been rapidly internet. Internet financial Services, Internet thinking, Internet entrepreneurship, Internet big Data, Internet transformation, almost all economic growth points are from this era.

Internet Financial Services is undoubtedly a hot issue, but the theory of the Internet has not been clearly defined, the classification of the Internet has not been effectively combed and systematic interpretation, which will affect the theoretical circle of the rapid development of the Internet economy, and not conducive to the Internet practice to find breakthroughs in the gap, Seek greater development. Therefore, this article intends to classify the Internet financial services systematically, and briefly discuss its role in promoting economic change.

Internet Financial Service is not new in recent years, the Ali group payment platform which appeared before and after 2000, and the bank net payment in earlier period are the early forms of Internet financial service. Internet Financial Services are truly known to the public thanks to the June 13, 2013 Ali group balance treasure turned out. After this, the Internet financial services in new forms, new ideas emerge endlessly, so some scholars will be called 2013 "The Year of Internet financial services." In the following years, a large number of young people set off the "Internet entrepreneurial Tide", grass-roots platform and grassroots team were sought after, the current Internet industry giants Baidu, Ali, Tencent also joined the wave of Internet financial services.

The "Internet finance" service, as its name suggests, is the combination of "internet" and "finance", its core is "finance", Internet Financial Service is to realize the financial service to people with the thinking and technology of Internet. In view of the current development of Internet financial services, Internet Financial services can meet the needs of four kinds of people, that is, the demand of payment, the demand of investment, the demand of financing and the demand of risk management.

Internet payment. Internet payment mainly uses the payment form of the third party payment and the network bank. Among them, the third party payment mainly has four kinds of main forms: the PC payment, the mobile payment, the prepaid card payment and the POS receipts payment. PC payment is divided into account payment and gateway payment, the difference is the use of bank card account or network account; Mobile payment is divided into communication account payment, remote payment, square payment and near-field payments. Communication account payment is the application of mobile network prepaid charges, the long-distance payment is a kind of gateway payment, the square payment is to use the handset reader to brush the bank card to carry on the payment, the near-field payment is the short distance high frequency wireless communication technology electronic equipment between the NON-CONTACT data transmission carries on the payment; The prepaid card is also called the stored value card, After the customer deposit funds by deducting the amount of the card to pay, POS receipts, using POS machine card payment. In the future third party payment may be the direction of the development of the code payment, including two-dimensional code, sonic code, such as payment. Biological feature payment, face payment, print payment physical media payment, identity card, bank card, license plate, etc. near-field communication payment, Bluetooth, WiFi and so on. SMS payment has basically withdrawn from the third party payment sequence, only as a supplementary verification means of payment.

Network Bank is another form of internet payment, it can easily realize the absorption of long tail funds, absorbing a part of large stock, small scale of funds. In the case of cost, bank profits will increase as the size of savers expands. Internet banks, which solicit customers by word of mouth, are too small and too weak in their ability to control risk will fail.

Internet investment and financing needs. Investment and financing are the two aspects that one thing observes from different angles. The way of Internet investment and financing mainly includes network bank, Peer-to-peer loan platform, public platform, network assets trading platform, network micro-loan, network fund, Network Securities and wealth Management.

NET Bank, depositors deposit money in the bank in order to seek interest, is the simplest, the basis of a form of investment.

Peer-to-peer, derived from the English Peero peer personal loans to individuals in shorthand. Its core is the Internet of private usury. Now the Peer-to-peer form of our country is p2b,person to bushess, which is often a personal loan to the business. For the investor, should pay attention to two things, one is the interest rate of Peer-to-peer project, the second is the risk of Peer-to-peer platform. Peer-to-peer projects often take apart a capital requirement into a number of small investment opportunities, breaking the limits on the size of individual investment funds. The annual rate of peer-to-peer projects is usually between 8% and 30%. Could is the universal rate of return for peer-to-peer projects. At present, China's Peer-to-peer platform development, in the barbaric growth stage, no entry threshold, no industry standards, no supervision, industry development depends on the guarantee mechanism. The core question of the form of the folk usury is whether the loan principal and interest is guaranteed by the specific power, and the network Peer-to-peer form, because the capital supply and demand both sides besides the network fictitious platform, does not exist the real society connection, therefore the Peer-to-peer guarantee is more important than the folk loan-sharking guarantee. There are 7 kinds of peer-to-peer guarantee, namely: no guarantee, risk petty cash guarantee, platform guarantee, small loan/guarantee company guarantee, mortgage guarantee, related party guarantee and insurance.

Network audience, the initial platform for the public-funded enterprises or creative projects, the use of Project products "group buy + pre-sale" mode, that is, pre-sale-type public chip, with the development of public financing, there has been a fund-raising platform for the purpose of capital return, that is, the stock-raising mode of bilge, there are membership-type public, donations and other types of public financing. Focus on vertical subdivision areas, such as smart hardware, music, real estate and other platform for the public to start to appear. The angel investment in the stock-raising is important to promote the development of small micro-enterprises in China.

The network assets trading platform is a platform for online transaction of assets such as entrusted loan creditor's rights, Bill income right, account receivable, trust benefit right, credit asset securitization etc. Ping ' An's an carried out related business.

Network micro-loan, mainly including Ali group of Ants and Beijing-east under the Beijing Baby and Beijing-East White Stripes. For Taobao, Cat, Alibaba, Jingdong Mall, small merchants and online shopping consumers, based on data analysis for micro-rapid loan business. General loan amount not exceeding 1 million, the shortest 3 minutes can lend. Network fund, is the traditional fund online sales form. The balance treasure is the traditional Money fund network sale form. The network fund only changed the traditional fund's sales model to make the financial industry full of vigor, the Internet to the traditional industry to promote the role can be seen. But the downward trend in interest rates is a major negative for currency funds, the next Typhoon or equity fund.

Network Securities, is a traditional securities online trading form. Because a person's account of the same nature can only be opened in a securities trading institution, different securities companies and securities trading methods Commission ratio. The high cost of transfers restricts the development of internet brokers. In the second half of 2015, the introduction of the Unified Account system "one yard" will be listed, the SSE designated trading system may be abolished, transfers cost may be significantly reduced. Foreign emerging network securities forms, when the loyaβ launched the stock feedback plan or the stock social platform. IPO companies such as Facebook, Tesla and Alibaba, as well as secondary market shares such as Apple, Starbucks, McDonald's, Coca-Cola and Google, can be sold by Loyaβ Securities on Amazon platforms or rewarded as rewards to loyal customers.

Comprehensive financing platform refers to the comprehensive platform of securities and funds plus private equity and financing and third party payment, the core of which is the need for multiple licences such as securities, banks and funds, while the third party has restricted the function of securities accounts. It can be foreseen that in the near future, comprehensive cooperative financial management will become a trend.

Internet risk management needs. Internet risk management mainly has Internet insurance and Internet levy Two forms, is based on the Internet insurance Innovation and credit information rating certification industry.

Network Insurance. Because the line of business orders and accept, greatly simplifies the process, saving the cost. The simplification of process and the cheapness of cost have promoted the diversification of insurance forms. At present, the development direction of interconnection insurance is: Insurance pricing based on large data, low threshold products and the whole process of online operation.

Network credit. In January 2015, the People's Bank of China announced the first batch of 8 institutions to obtain individual collection licences, with the bat Tencent and Ali among them. Although the credit industry started late in China, it is self-evident that the credit industry is important to the national information Collection, acquisition and publication. China's securities market is not standardized reasons, there is also a problem of unsound credit rating mechanism. The release of network credit license plate is of great significance for perfecting the credit system of our country.

Financial product search engine. Financial product search engine, mainly plays the role of financial product information audit. Included in the platform of financial products, the equivalent of the platform to its credit endorsement, as a financial product investment in a firewall.

To sum up, today's society is in the "Internet +" as the representative of the fifth technological revolution, the change of new economic development model needs new technology support. Internet finance is an important support means of "Internet +", which plays an important role in promoting China's economic transformation and upgrading and promoting the construction of new urbanization in China. The theoretical circle needs to comb the Internet financial innovation comprehensively, to make an objective theory summary, in order to guide the practice better, and to develop the internet finance better and to promote the national economic construction.

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