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What are the Internet financial products?

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What are the Internet financial products? Internet Finance (ITFIN) refers to an emerging finance that relies on payment, cloud computing, social networking, and Internet tools such as search engines and apps to realize financial, financial, and information intermediary services. What are the Internet financial management products: the development model of Internet finance. Crowdfunding Crowdfunding is about raising funds for the public or raising funds for the public. It refers to the mode of collecting project funds from netizens in the form of group purchase pre-order. The intention is to use the characteristics of the Internet and SNS to allow entrepreneurs, artists or individuals to show their ideas and projects to the public, and to get everyone's attention and support, and then get the financial assistance needed. The mode of operation of the crowdfunding platform is small – individuals or teams who need funds will hand over the project plan to the crowdfunding platform. After relevant review, they can create their own pages on the platform of the platform to introduce the project to the public. . P2P (Peer-to-Peerlending), which is peer-to-peer credit. P2P online lending refers to the matching of funds and loans between the two parties through a third-party Internet platform. The people who need to borrow can find the people who have the ability to lend and are willing to lend based on certain conditions through the website platform, helping the lender to work with other lenders. Sharing a loan amount to spread the risk also helps the borrower to select attractive interest rate conditions, such as Jin Merchants Loan and Loan Loan, in the fully compared information. Two operating modes, one is the pure online mode, which is characterized by the fact that funds lending activities are carried out online, without the offline review. Usually, the measures taken by these companies to review the borrower's qualifications include video certification, checking bank flow bills, and identity authentication. The second is the online and offline combination mode. After the borrower submits the loan application online, the platform will review the borrower's credit and repayment ability through the household survey by the agent in the city. Third-party payment (Third-Party Payment) narrowly refers to a non-banking institution with certain strength and credit guarantee. With the help of communication, computer and information security technology, it is contracted with major banks to settle accounts with users. An electronic payment model for establishing a connection between systems. According to the definition of non-financial institution payment services given by the central bank in the “Administrative Measures for Payment Services of Non-financial Institutions” in 2010, in a broad sense, third-party payment refers to the network provided by the non-financial institution as the payment intermediary of the receiving and paying parties. Payments, prepaid cards, bank card receipts, and other payment services as determined by the bank. Third-party payment has not only been limited to the initial Internet payment, but has become a comprehensive payment tool with comprehensive coverage of online and offline coverage and rich application scenarios. Digital currency In addition to the booming third-party payment, P2P loan model, small loan model, crowdfunding financing, and the balance of the treasure model, the Internet currency represented by Bitcoin also began to show its own fangs. Internet currency outbreaks represented by digital currencies such as Bitcoin are, in a sense, more subversive than any other form of Internet finance. On August 19, 2013, the German government officially recognized the legal “currency” status of Bitcoin. Bitcoin can be used for tax and other legitimate purposes. Germany has also become the first country in the world to recognize Bitcoin. This means that Bitcoin is beginning to “wash white” gradually, from the geek's playthings, into the public's sight. Perhaps it can give birth to a real Internet financial empire. Bitcoin has been hot and it has fallen fiercely. In any case, this Internet banquet, which seems to have been far away from us, has slowly entered our sights. It has made people see that the ultimate form of Internet finance is the Internet currency. All Internet finance only challenges existing commercial banks and securities companies. The future development of Internet currency is a challenge to the central bank. Perhaps Bitcoin will subvert the traditional financial growth into the first global currency, and maybe it will eventually collapse. In any case, it is certain that Bitcoin will leave an eternal legacy for mankind. Big data financial big data finance refers to the collection of massive unstructured data. Through real-time analysis, it can provide Internet financial institutions with comprehensive information of customers, and grasp customer's consumption habits by analyzing and mining customer transactions and consumption information. Accurately predict customer behavior and target financial institutions and financial services platforms in marketing and risk control. The financial service platform based on big data mainly refers to the financial services carried out by e-commerce enterprises with massive data. The key to big data is the ability to quickly access useful information from large amounts of data, or the ability to quickly real-time use from big data assets. Therefore, the processing of big data is often based on cloud computing. Financial institutions The so-called informationized financial institutions refer to financial institutions such as banks, securities and insurance that use information technology to transform or reconstruct traditional operational processes to achieve full electronic management and management. Financial informatization is one of the development trends of the financial industry, while informational financial institutions are the product of financial innovation. From the perspective of the financial industry as a whole, the informatization of banks has always been at the leading level in the industry. It not only has a leading international financial information technology platform, but also has built a three-dimensional electronic service system consisting of self-service banking, telephone banking, mobile banking and online banking. Informatization of the big hand--data centralization project in the industry dominates, in addition to the Internet-based innovative financial services, it also formed a "portal" "net banking, financial products super, e-commerce" one-three financial Business innovation service model. Financial Portals Internet financial portals are platforms that use the Internet to sell financial products and provide third-party services for the sale of financial products. Its core is the “search price comparison” model, which uses the vertical price of financial products to put the products of various financial institutions on the platform, and users select the appropriate financial products by comparison. The Internet financial portal has been multi-innovative and developed, forming a third-party financial institution that provides high-end financial investment services and wealth management products, providing insurance products, price comparison, and purchasing services.Insurance portals, etc. This model does not have too many policy risks, because its platform is not responsible for the actual sales of financial products, nor does it bear any adverse risks, and the funds are not completely through the intermediate platform.


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