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New forms of Internet finance

2019-09-30 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- New forms of Internet finance,供大家参考学习,这篇论文讨论了互联网新金融业态。互联网新金融作为新诞生的金融业,其也被称为第三金融业态。联网新金融业态的快速进步促进了互联网金融的进步,给传统金融体系带来了变革,使金融体系迎来了新的发展契机,然而互联网新金融业态还要更加规范其风险管控环节。互联网新金融业态作为金融和互联网结合的产物,并在云计算和大数据的基础上产生了服务、新金融市场、监管系统以及产品为一体。

In recent years, due to the continuous popularization of the Internet in China and the deepening of interest rate liberalization, the new financial formats of the Internet are also developing rapidly. The emergence of big data, the birth of mobile payment and the influence of cloud computing have all started to make the new financial formats of the Internet more closely related to daily life, so that people can get more benefits from it. In the third plenary session of the 18th CPC Central Committee, inclusive finance was discussed again, and the emergence of new forms of Internet finance greatly promoted the development of public finance and inclusive finance. In addition, the new Internet finance greatly reduces the information imbalance and the intermediate cost of both parties, and promotes the realization of the goal of "second disintermediation" of finance. On the basis of cloud computing technology and big data, all the principal transactions in the new financial formats of the Internet depend on the market interest rate, and there is no intermediary in the trading environment, so the transactions are fully open, which promotes the development of interest rate liberalization.

As a newly born financial industry, Internet new finance is also known as the third financial format. For the new financial format of Internet, it is composed of three periods: the first period is the initial period of Internet finance; The second period is the rapid rise of Internet finance, in which third-party payment organizations and P2P models gradually develop and grow, and Internet financial technology develops rapidly. In the third period, Internet finance took initial shape and began to enter the period of rapid development. The rapid progress of new financial formats on the Internet has promoted the progress of Internet finance, and brought changes to the traditional financial system, ushering in new development opportunities for the financial system. However, the new financial formats on the Internet need to standardize their risk management and control links. As the product of the combination of finance and the Internet, the new financial format on the Internet generates services, new financial market, regulatory system and products on the basis of cloud computing and big data. Therefore, it can be seen that the new financial format on the Internet has the following five characteristics:

The Internet covers a wide range and spreads very fast. However, the foundation of Internet finance is the Internet, so Internet finance also has the same characteristics.

In new Internet financial main body in the process of product trade both parties can carry out online, and then makes the transaction costs are further reduced, reducing the exchange cost involved in the field, also avoid physical outlets fixed costs and store the worker's labor costs, significantly reduce the total cost of the financial products trade.

Based on big data and cloud computing, Internet new finance conducts an in-depth study of long-term data, so as to understand the potential demand of customers and shopping tendency, thus greatly simplifying the intermediate steps of transaction, making payment more convenient and improving the transparency and efficiency of the whole financial service link.

Reciprocity and equal openness are the essence of the new Internet finance. Internet new finance attaches great importance to the sense of customer participation and the establishment of relations with customers, which can help enterprises to achieve flat management, de-banking and online. In addition, I can be familiar with the induction and analysis of data through the Internet, deeply study the different needs of all customers, and build personalized financial services according to their needs, so as to improve customers' satisfaction with financial services, so that customers can have a good service experience.

Internet finance consists of two aspects: the first is the development of traditional financial organizations towards the Internet; the second is the development of Internet enterprises towards the financial field. These two types of Internet finance in the process of development have shown very obvious diversification. The rapid growth of the emerging financial organizations makes up for the defects of the traditional financial market and further improves and optimizes the financial market. The birth of paipaidai in 2007 means that P2P online lending formally appeared. Subsequently, P2P online lending rapidly advanced with an irresistible trend, and a variety of Internet financial products emerged. However, P2P online lending still has many shortcomings at present.

The rapid development of the third-party payment platform has led to the birth of a variety of "treasure" services, enabling the masses to have a variety of financial products to choose from, and thus achieving the goal of inclusive finance and public finance. In this way, the general public can master financial products and operate according to their own will without too many intermediate links in the transaction, so as to promote the pace of interest rate liberalization and enhance user experience. The birth of alipay means that non-financial organizations in China have also started to enter the payment market. After this, PayPal, yifubao and other third-party payment platforms have also emerged. By 2015, more than 270 companies in China had obtained the business license of third-party payment, and the transaction volume of third-party mobile payment had reached 3.16 billion yuan in 2017. The digitalization of financial market transactions is very obvious. Generally speaking, the new financial formats of the Internet are developing steadily.

Nowadays, traditional financial organizations are also profoundly understand the Internet finance is the inevitable development trend, so in a short period of time to carry out the improvement and transformation, from financial ali began more than other traditional financial organizations also began its own mode of reform, such as "wishful surplus" issued by the minsheng bank, industrial and commercial bank launched "icbc pay treasure", etc. Due to the rise of third-party mobile payment, a variety of Banks began to build exclusive online banking, client banking and other products. In the current market environment of the Internet, traditional finance has been transformed from being forced in the past to actively catering to market changes, and the new Internet finance has started to transform from the previous conflict to mutual integration to achieve a win-win situation.

For the new financial formats of the Internet, the connection between it and the real economy is increasingly close, and the integration between Internet finance and traditional industries gives birth to a series of emerging financial industries, such as steel finance and ship finance. At the same time, with the integration of traditional technology, and then the birth of high-tech finance, environmental technology finance; New forms of Internet finance are integrated with people's livelihood, thus giving birth to "agriculture, rural areas and farmers" finance and people's livelihood security finance. The continuous integration of the real economy and the new financial formats on the Internet has satisfied the needs of different levels of finance. In the process of materialization, the new financial formats on the Internet have also provided more financial services to various real industries.

In terms of its development status and trend, domestic Internet financial formats show the characteristics of diversification, digitalization, integration and materialization. However, there are also a series of problems in the development of new forms of Internet finance in China, which are mainly manifested in the following four aspects:

One of the main problems facing the new financial formats of the Internet is the imperfect external supervision system, which is mainly manifested in the imperfect legal system and the supervision of relevant departments. At present, the external supervision of the domestic government in terms of new financial forms of the Internet is not in place and the legal system is not perfect. China's legislature and administrative departments are still trying to supervise the process and link, and the industry supervision responsibilities have not been defined, which makes the phenomenon of "kicking the ball" very prominent.

At present the domestic credit system is not perfect, which makes the financial main body does not realize the sufficient information sharing. The reason for this phenomenon is closely related to the failure of the CSRC to fulfill its duties. Therefore, the best regulatory method is to let the CSRC act as the regulatory subject of sunshine private equity. Moreover, because administrative supervision has mandatory characteristics, it can be used together with other regulatory methods to achieve higher regulatory efficiency. For example, it can exert the role of media supervision and influence enterprises and investors through information disclosure. Due to its small credit investigation system and imperfect credit information, it is difficult for the people's bank to build a sound credit risk assessment system. Moreover, there is no corresponding punishment system for customers who breach the contract, and there is no high default cost for customers, which makes the problem of financial fraud increasingly serious.

New forms of Internet finance have various sources of risks, and the effect of controlling risks is not ideal. On the one hand, new financial formats on the Internet have the risk characteristics of traditional finance; on the other hand, they also have the risks of new financial formats on the Internet. As a result, the sources of risks are very diverse, and their risks change rapidly.

New forms of Internet finance have not done enough to innovate products and services. At present, the products and services launched by the Internet new finance have a very serious homogenization phenomenon, seriously lack of independent innovation, but also vigorously use price war strategy to occupy market share, and finally get into a vicious competition deadlock.

Due to a series of problems existing in the new Internet financial formats in China, such as lack of external supervision, imperfect credit system, poor effect of risk control and insufficient product innovation, we can use the following four solutions to solve the problems in the development of the new Internet financial formats.

We will intensify oversight, improve the legal system, and clarify industry norms. The regulatory responsibilities and scope of responsibility of each department need to be determined and regulated according to its category, focusing on improving the regulatory capacity. At the same time, it is necessary to improve the legal system related to the new financial formats on the Internet, so that there are laws to supervise the new financial formats on the Internet. And carry out industry self-discipline organization, clear industry norms, so as to make external supervision more diverse and perfect.

Create a sound credit system, pay attention to the exchange of information resources within the industry. If the credit system is not sound, the customer's default cost will be low, and the waste of resources is serious. Therefore, it is necessary to build a credit system that can cover the whole society, and pay attention to the communication of information resources within the industry

If a financial institution wants to improve its competitiveness, it must improve its risk control level. The key to improving risk management and control is to introduce professional talents in the field of risk management and control, improve the data quality of big data and give full play to the role of cloud computing.

Internet new financial enterprises should promote the innovation of their own products and services, only innovation can better promote the development of enterprises, so as to meet the needs of customers' continuous development, so as to occupy a dominant position in the fierce market competition.

It can be seen that the Internet new financial format is currently in a period of rapid development, we should pay enough attention to it. This paper analyzes the new Internet financial business development present situation, it is concluded that during the development process of the problems mainly include the lack of external supervision, credit system is not sound, the diversity of sources of risk, risk control effect is poor, and lack of innovative products, and aiming at the existing problem of the corresponding solution measures are put forward, namely, improve the external supervision, the credit system, improve the level of risk control and promoting product innovation. It is expected that the analysis of this paper can bring some enlightenment and reference to the development of new forms of Internet finance in China.

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