Decentralized financial management

1. blockchain uses "algorithm proof mechanism" to ensure this trust
jinwowo Group believes that with this trust, all nodes in the whole system can exchange data automatically and safely in a trusted environment
compared with other time-consuming and expensive tool technologies, it can automatically match and enforce in real time at a low cost. 11 "intelligent trust" brought by blockchain Technology

2. Since 2012, many people in the instry have been emphasizing the arrival of an era of "great wealth management". The reasons behind it are as follows: first, the public's demand for wealth management is expanding rapidly under the circumstances of increasing the risk of wealth devaluation caused by the increase of residents' income level, inflation and other factors, and the possibility of cross-border asset allocation is graally increasing; Second, the fuzzy boundary of traditional financial formats and the deepening of comprehensive operation of institutions make it more operable to provide customers with "systematic and diversified wealth management solutions"
in this context, the technology and concept of Internet finance have suddenly shaken the wealth management mode of the traditional financial system, and brought great development opportunities in the challenges. Of course, although the concept of Internet finance has become so fashionable, it is still "like a basket in which everything can be loaded". It seems that as long as the Internet is connected with financial elements, it becomes the so-called Internet finance. Before deeply discussing the influence of Internet Finance on wealth management, it is necessary to define it from a relatively rigorous way of thinking
textbooks tell us that the basic functions of modern financial system include time and space allocation of funds, risk management, payment and clearing, information mining, etc. Therefore, we believe that the so-called Internet finance is a dynamic process, that is, the technology and concept of modern Internet fundamentally change the implementation of these basic functions. In view of this, we believe that its challenges to wealth management are mainly reflected in five aspects
firstly, it stimulates the innovation of active wealth management mode, which makes the demand of popular wealth management more satisfied. On the one hand, Internet finance has the characteristics of "decentralization", "democracy and decentralization". The new information and financial technology not only makes it easier for fund suppliers (wealth management demanders) to connect and configure with wealth management media, but also makes it easier for the public who can only passively accept the wealth management services of financial institutions, As well as ordinary people who are difficult to invest in wealth management procts with high threshold, they can be more active in wealth management activities
for example, when the network sales of money market funds are becoming more and more popular recently, more and more ordinary people can put their scattered funds into it
on the other hand, with the development of Internet, electronization and virtualization, traditional financial institutions can not only innovate and improve professional and convenient wealth management procts and services, but also make it easier to sell them through the Internet, develop and cultivate more customers that can adapt to the "e-era", and can not set up branches and allocate marketing personnel, However, in the traditional weak links, we should develop potential customers at low cost, such as meeting the needs of wealth management in rural areas. Of course, Internet Finance focuses more on meeting the needs of public wealth management, while wealth management for high-end customers still needs to focus on offline private and real private banking services
secondly, through the effective combination of technology and wealth management, wealth management tools are endowed with new attraction. For example, in the United States and other developed countries, investors can swipe the money fund card for consumption payment. After swiping the card, the redemption funds of the money fund are automatically transferred to the accounts of consumer merchants, which greatly increases the function of the money fund and urges a large number of investors to invest in the money fund. Since the end of last year, some securities companies and fund companies have launched consumer payment services based on securities capital accounts and monetary funds. It can be predicted that this tool innovation based on payment field will have a far-reaching impact on the securities and fund instry, and profoundly reform the demand structure of investment and wealth management of residents
for another example, the emergence of the Internet makes it unnecessary for residents to invest too much time in wealth management activities. The rise of smart phones enables wealth managers to handle business through app applications and mobile Internet in real time. The emergence of social media enables wealth managers to interact with wealth management institutions in real time. At the same time, another advantage of the Internet that attracts investors most is to show the complete process of wealth management services and make the services more transparent and standardized
thirdly, the platform integration of wealth management tools becomes possible. On the one hand, the Internet has accelerated the advent of the era of mixed operation. With the continuous improvement of the comprehensive operation level of China's financial instry in the future, some institutions will become more and more specialized, and some may turn to financial holding or bank holding groups. The rapid development of Internet information and financial technology, on the one hand, promotes the integration of financial infrastructure represented by payment and settlement, on the other hand, makes the network financial activities have a profound impact on the banking, securities, insurance and other traditional instries, and brings similar risks and challenges to them, It makes the big wealth management platform covering different financial formats graally appear in terms of system and technology
on the other hand, in addition to the third-party wealth institutions, the Internet era also promotes new enterprises to graally join the wealth management instry chain. For example, it is generally believed that Internet companies have large sticky users and traffic. Once Internet companies obtain asset management licenses, they may subvert the traditional instry pattern. In fact, with the promotion of Internet technology, wealth management platform will graally jump out of the traditional mode, such as investment banking, trust, asset management service platform, or multi-level fund pool platform, and become a platform for institutions, enterprises, indivials and other different customers to provide financing, capital operation and asset management, value-added services "Financial and consumer service supermarket" integrated platform including consumption and payment
fourthly, it reces the specific financing risk and makes the new financing and wealth management mode appear constantly. For example, on the one hand, in recent years, the P2P network lending platform of developed economies in Europe and the United States actually provides a new wealth management mode for many people with idle funds. On this kind of financial service website, users can borrow or lend funds without the intervention of banks. Its convenient and self-service operation mode, low rates, transparent information and differential pricing mechanism have had a strong impact on the traditional commercial banks. Prosper in the United States and Zopa in the United Kingdom are two successful examples. On the other hand, Internet-based crowdfunding not only makes it possible for entrepreneurs to get rid of the limitations of traditional financial institutions (such as banks, venture capital, etc.) in addition to their own funds, but also directly raise funds from the public who approve their entrepreneurial plans. It also enables consumers to actively participate in the process of proct design and proction, New wealth management and investment are realized
fifthly, through information exploration and integration in the era of big data, more accurate customer positioning can be formed. One of the most important functions of the Internet is to provide information support, and information is the basis of credit formation and financial transactions. For example, the reason why new Internet financial enterprises can do a good job in small and micro enterprise loans is that for small enterprises, e to the lack of credit evaluation and collateral, it is often difficult to obtain financing support from traditional financial institutions. In the e-commerce environment, data mining through the Internet can fully show the "virtual" behavior trajectory of small enterprises, Find out the basic data and mode to evaluate their credit, so as to create conditions for small and micro enterprises' credit financing. Such innovations can open up space for the use of funds of wealth management institutions, and form a new benign return on investment and cycle
in addition, the Internet era also poses challenges to commercial banks, because the rapid growth of financial data and high processing costs lead to the change of data processing mode. In addition to paying attention to internal data, banks also need to incorporate Internet data, which records the traces and behaviors of bank customers, and analyzes their risk preferences, investment preferences, investment preferences, and other factors Personality characteristics, etc. Through the effective data integration of traditional bank financial institutions, non bank financial institutions, payment enterprises and Internet enterprises, we can lay the foundation for the construction of new social credit system and the innovation of wealth management mode< In a word, the essence of Internet finance is to make the traditional finance "walk down the altar", which is not a confrontation and a complete replacement, nor should it be set up as a new "financial myth". It only fundamentally improves the functions of the traditional financial system, and has a profound impact on the system, mode and environment of China's wealth management. Therefore, it helps to build a financial system close to the needs of all kinds of customers The era of flexible wealth management is coming.

3. Controlling the overall situation thinks that the challenge of Internet finance to big wealth management is reflected in five aspects: first, it stimulates the innovation of wealth management mode, so that the demand of popular wealth management can be more satisfied; Second, through the effective combination of technology and wealth management, wealth management tools are endowed with new attraction; Third, it makes it possible to integrate wealth management tools on a platform; Fourthly, it reces the specific financing risk and makes the new financing and wealth management mode appear constantly; Fifthly, through the information exploration and integration in the era of big data, we can form a more accurate customer positioning

since 2012, many people in the instry have been emphasizing the arrival of an era of "great wealth management". The reasons behind it are as follows: first, the public demand for wealth management is expanding rapidly under the circumstances of increasing the risk of wealth devaluation caused by the increase of residents' income level, inflation and other factors, and the possibility of cross-border asset allocation is graally increasing; Second, the fuzzy boundary of traditional financial formats and the deepening of comprehensive operation of institutions make it more operable to provide customers with "systematic and diversified wealth management solutions"

in this context, the technology and concept of Internet finance have suddenly shaken the wealth management mode of the traditional financial system, and brought great development opportunities in the challenges. Of course, although the concept of Internet finance has become so fashionable, it is still "like a basket in which everything can be loaded". It seems that as long as the Internet is connected with financial elements, it becomes the so-called Internet finance. Before deeply discussing the influence of Internet Finance on wealth management, it is necessary to define it from a relatively rigorous way of thinking< The textbook tells us that the basic functions of modern financial system include time and space allocation of funds, risk management, payment and clearing, information mining, etc. Therefore, we believe that the so-called Internet finance is a dynamic process, that is, the technology and concept of modern Internet fundamentally change the implementation of these basic functions. In view of this, we believe that its challenges to wealth management are mainly reflected in five aspects

firstly, it stimulates the innovation of active wealth management mode, and makes the demand of popular wealth management more satisfied. On the one hand, Internet finance has the characteristics of "decentralization", "democracy and decentralization". The new information and financial technology not only makes it easier for fund suppliers (wealth management demanders) to connect and configure with wealth management media, but also makes it easier for the public who can only passively accept the wealth management services of financial institutions, As well as ordinary people who are difficult to invest in wealth management procts with high threshold, they can be more active in wealth management activities

for example, when the network sales of money market funds are becoming more and more popular recently, more and more ordinary people can put their scattered funds into it

on the other hand, with the development of Internet, electronization and virtualization, traditional financial institutions can not only innovate and improve professional and convenient wealth management procts and services, but also make it easier to sell them through the Internet, develop and cultivate more customers to adapt to the "e-era", and they can not set up branches and allocate marketing personnel, However, in the traditional weak links, we should develop potential customers at low cost, such as meeting the needs of wealth management in rural areas. Of course, Internet Finance focuses more on meeting the needs of public wealth management, while wealth management for high-end customers still needs to focus on offline private and real private banking services

secondly, through the effective combination of technology and wealth management, wealth management tools are endowed with new attraction. For example, in the United States and other developed countries, investors can swipe the money fund card for consumption payment. After swiping the card, the redemption funds of the money fund are automatically transferred to the accounts of consumer merchants, which greatly increases the function of the money fund and urges a large number of investors to invest in the money fund. Since the end of last year, some securities companies and fund companies have launched consumer payment services based on securities capital accounts and monetary funds. It can be predicted that this tool innovation based on payment field will have a far-reaching impact on the securities and fund instry, and profoundly reform the demand structure of investment and wealth management of residents

for another example, the emergence of the Internet makes it unnecessary for residents to invest too much time in wealth management activities. The rise of smart phones enables wealth managers to handle business through app applications and mobile Internet in real time. The emergence of social media enables wealth managers to interact with wealth management institutions in real time. At the same time, another advantage of the Internet that attracts investors most is to show the complete process of wealth management services and make the services more transparent and standardized

thirdly, the platform integration of wealth management tools becomes possible. On the one hand, the Internet has accelerated the advent of the era of mixed operation. With the continuous improvement of the comprehensive operation level of China's financial instry in the future, some institutions will become more and more specialized, and some may turn to financial holding or bank holding groups. The rapid development of Internet information and financial technology, on the one hand, promotes the integration of financial infrastructure represented by payment and settlement, on the other hand, makes the network financial activities have a profound impact on the banking, securities, insurance and other traditional instries, and brings similar risks and challenges to them, It makes the big wealth management platform covering different financial formats graally appear in terms of system and technology

on the other hand, in addition to the third-party wealth institutions, the Internet era also promotes new enterprises to graally join the wealth management instry chain. For example, it is generally believed that Internet companies have large sticky users and traffic. Once Internet companies obtain asset management licenses, they may subvert the traditional instry pattern. In fact, with the promotion of Internet technology, wealth management platform will graally jump out of the traditional mode, such as investment banking, trust, asset management service platform, or multi-level fund pool platform, and become a platform for institutions, enterprises, indivials and other different customers to provide financing, capital operation and asset management, value-added services "Financial and consumer service supermarket" integrated platform including consumption and payment< Fourthly, it reces the specific financing risk and makes the new financing and wealth management mode appear constantly. For example, on the one hand, in recent years, the P2P network lending platform of developed economies in Europe and the United States actually provides a new wealth management mode for many people with idle funds. On this kind of financial service website, users can borrow or lend funds without the intervention of banks. Its convenient and self-service operation mode, low rates, transparent information and differential pricing mechanism have had a strong impact on the traditional commercial banks. Prosper in the United States and Zopa in the United Kingdom are two successful examples. On the other hand, Internet-based crowdfunding not only makes it possible for entrepreneurs to get rid of the limitations of traditional financial institutions (such as banks, venture capital, etc.) in addition to their own funds, but also directly raise funds from the public who approve their entrepreneurial plans. It also enables consumers to actively participate in the process of proct design and proction, New wealth management and investment are realized

fifthly, through information exploration and integration in the era of big data, more accurate customer positioning can be formed. One of the most important functions of the Internet is to provide information support, and information is the basis of credit formation and financial transactions. For example, the reason why new Internet financial enterprises can do a good job in small and micro enterprise loans is that for small enterprises, e to the lack of credit evaluation and collateral, it is often difficult to obtain financing support from traditional financial institutions. In the e-commerce environment, data mining through the Internet can fully show the "virtual" behavior trajectory of small enterprises, Find out the basic data and mode to evaluate their credit, so as to create conditions for small and micro enterprises' credit financing. Such innovations can open up space for the use of funds of wealth management institutions, and form a new benign return on investment and cycle

in addition, the Internet era also poses challenges to commercial banks, because the rapid growth of financial data and high processing costs lead to the change of data processing mode. In addition to paying attention to internal data, banks also need to include Internet data, which records the traces and behaviors of bank customers, and analyzes their risk preferences, investment preferences, and other factors Personality characteristics, etc. Through the effective data integration of traditional bank financial institutions, non bank financial institutions, payment enterprises and Internet enterprises, we can lay the foundation for the construction of new social credit system and the innovation of wealth management mode< In a word, the essence of Internet finance is to make the traditional finance "walk down the altar", which is not a confrontation and complete replacement, nor should it be set up as a new "financial myth". It only fundamentally improves the functions of the traditional financial system and has a profound impact on the system, mode and environment of China's wealth management, Therefore, it is concive to the arrival of a flexible and diversified wealth management era close to the needs of all kinds of customers.

4. The influence of Internet Finance on enterprise financial management, e to the fuzzy boundary of traditional financial format, the deepening of comprehensive operation of institutions, and the rapid expansion of enterprise demand for financial management, makes it more and more urgent to provide systematic and diversified financial management solutions for enterprises. Internet Finance constantly shakes the financial management mode under the traditional financial system, fundamentally improves the functions of the traditional financial system, and has a profound impact on the financial management of enterprises
1. Effective combination of technology and financial management tools. For example, in the field of payment tool innovation, some securities and fund companies in China have launched new consumer payment tools, and investors can consume through securities fund accounts. This will profoundly influence and promote the innovation of investment and financial management mode in China. In addition, Internet information technology makes enterprise financial management activities greatly save the time cost, so that the financiers can interact with financial management institutions in real time
2. Innovate the enterprise active financial management mode and expand the scope of financial management demanders. Internet finance not only reces the difficulty of docking financial management demanders with financial management tools and media, but also enables more and more indivials and enterprises to operate financial management independently
3. Promote the platform integration of financial management tools. The rapid development of Internet finance technology has a profound impact on the banking instry and other traditional formats, reflecting the development trend and importance of the big financial management platform with different financial business forms. More and more enterprises are affected by the wave of Internet technology, and graally innovate and improve the mode of financial management. The financial management platform will graally go out of the traditional mode and become a comprehensive platform of financial and consumer services for a wider range of customers
4. New financial management and financing models are emerging. For example, in recent years, P2P lending platform provides a new financial management mode for many enterprises with idle funds. With the development of network financing business, entrepreneurs and investment demanders can obtain funds not only from traditional financial institutions, but also from investors who approve their business plans. For example, crowdfunding
5. Innovate the financial management mode by discovering and sorting out big data. Through big data mining, Internet financial enterprises can find out the basic data to evaluate the credit and operation mode of small and micro enterprises, which greatly facilitates the credit financing of small and micro enterprises. And so on, it can graally form a benign investment cycle and performance return, save money space for enterprise financial management, and lay the foundation for the construction of new social credit system and the innovation of financial management mode
Internet financial business operation will lead to a series of new management problems, such as enterprise risk control, accounting adjustment, tax policy follow-up. But how to improve the risk management and control, objectively speaking, the domestic practice and research experience is still insufficient. The rapid development of Internet finance also affects the transformation and upgrading of the entire financial management system. The transformation of enterprise financial management can not be separated from the integration of financial business, but also requires the innovation of management mode and operation, and strict risk control. Enterprises need to learn how to use the Internet financial thinking to promote the reform of financial management, so as to make the financial management more adapt to the development needs of modern information technology and modern enterprises.

5.

Big data technology is constantly being introced into enterprises. The improvement of enterprise management ability and efficiency must realize quantitative analysis and management, and mine value from data. For example, finance has brought many changes in the fields of internal control, risk management, non digital information application and business operation

Financial management activities make full use of big data technology to collect, analyze and sort out financial data, which broadens the scope of traditional financial analysis work limited to data analysis based on accounting book data Multi angle data analysis and processing makes enterprise financial analysis and budgeting more accurate, closer to the market development trend, and has more practical significance

Financial informatization is the combination of financial information management system with enterprise internal control construction and data management of business departments. By building a comprehensive enterprise information management platform, the enterprise management process is reset and rebuilt, Coordinated the various relationships between different business and capital processes and internal management departments, making enterprise management more meticulous and scientific

3. Big data provides more risk information and improves the risk control ability of financial management

big data environment brings huge information resources to the development of enterprises, expands the information source channels of enterprises and reces the impact of information asymmetry. Financial management activities can timely obtain the information of market risk changes through the help of big data technology. Through in-depth data analysis, combined with the current and future business trends of the enterprise, it puts forward some risk forward-looking financial opinions, improves the usefulness of enterprise business decision-making, and further improves the risk control ability of financial management

6.

What is BUC

BUC is fully known as bit union coin, which is the platform token of bitun and can be used in various services of bitun platform. BUC is also one of the data contained in bitun ecosystem. BUC is recycled in bitun ecosystem and can be traded on major trading platforms. At present, BUC has launched the coinsuper exchange in the world. At the same time, it supports BUC's charging currency and BUC's trading pair with BTC. It will soon launch some world-famous exchanges such as fire currency. The application scope and application scenarios of BUC include but are not limited to the following:

1, issuance cost of subsequent blockchain projects

2, basic token for subscription of subsequent blockchain projects

3, deposit cost of exchanges and blockchain projects

4, handling charge of digital asset OTC transaction

5, payment cost of other value-added services or member services

the total number of Bucs is 2 billion, Among them, 15% is for team motivation, 25% is for bitun's operation promotion expenses, 20% is for non-public issuance, and 40% is for public issuance (token issuance has ended)

in order to ensure the fund security of bitun platform and the rights and interests of all project participants, the project team will freeze 20% of the business income based on BUC settlement on bitun platform as the risk reserve for fund custody and OTC transactions, instead of recycling into the circulation system for reuse

BUC has launched coinsuper exchange in the world, and supports BUC's withdrawal currency and BUC's trading pair with BTC Coinsuper exchange address: https://www.coinsuper.com/

what is bitun

at present, most market investors are facing a series of pain points, such as difficulties in digital asset management, lack of credibility in blockchain project issuance, security and privacy risks in asset transactions, lack of instant messaging (IM) tools, etc. Bitun is committed to solving all the above problems

bitun is a private bank of blockchain assets. Based on Higgs blockchain network, bitun creatively uses lightning network 2.0 technology to build a digital currency clearing and settlement network, so as to solve the asset management and circulation problems on multiple heterogeneous blockchain networks; At the same time, bitun has reshaped the blockchain project investment through smart contract and blockchain technology, and implemented a complete chain connection of token investment, distribution, unfreezing and other plans, ensuring the openness, transparency and decentralization of the whole process; In addition, bitun will soon realize many important expansion functions, such as decentralized OTC trading and seamless connection with global exchanges, through the deployment of lightning network 2.0 and the creation of ecology

bitun's core technology team is from Alibaba, Huawei, Motorola and other large technology companies, and each of them has experience in research and development of blockchain underlying technology and project responsibility. At the same time, bitun also invited Professor Guo Yike, director of Institute of data science, Imperial College of technology, and Dean of School of computer engineering and science, Shanghai University, to give technical guidance

in order to achieve the bank level safe and convenient user experience, bitun has hired a luxury consulting team, all of which have more than 20 years of experience in large enterprise management, financial services, risk control and financial management in dozens of countries such as North America, Europe and Asia, including Zhuang Ruihao, executive director of China new holding Technology Group Co., Ltd Gong Qingli, CEO of Ping An Securities Group (Holdings) Co., Ltd., ye Diqi, former executive vice president of Bank of communications, Wu Yunwen, CEO of Singapore digital currency exchange, Wu Weiliang, managing director of CITIC futures international, etc

bitun's vision is to solve the trust problem in digital financial activities and provide revolutionary decentralized digital financial services for people all over the world. Let more people of different nationalities and backgrounds simply and safely participate in the digital asset market

7. The major courses of business administration include: management, microeconomics, macroeconomics, management information system, statistics, accounting, financial management, marketing, economic law, operation management, human resource management and enterprise strategy management
2. Marketing
main courses: management, microeconomics, macroeconomics, management information system, statistics, accounting, financial management, marketing, economic law, consumer behavior, international marketing, market research
3. Accounting
main courses: management, microeconomics, macroeconomics, management information system, statistics, accounting, financial management, marketing, economic law, financial accounting, cost accounting, management accounting and auditing< Main courses: management, microeconomics, macroeconomics, management information system, statistics, accounting, financial management, marketing, economic law, human resource management, organizational behavior, labor economics
5. Tourism Management
main courses: management, microeconomics, macroeconomics, management information system, statistics, accounting, financial management, marketing, economic law, tourism overview, tourism economics, hotel management principles, tourism resources and development
7. Merchandising
main courses: general introction to food merchandising Food Biochemistry food technology food nutrition and hygiene food storage food analysis and inspection textile fiber merchandising introction to textile technology introction to textile variety analysis introction to dyeing and finishing clothing science textile quality analysis< Main courses: principles of accounting, financial accounting, financial management, management accounting, auditing, financial revenue and expenditure auditing, economic efficiency auditing, statistics, economic law
9. E-commerce
main courses: logistics and distribution management, interlocking and supermarket management, marketing principles and practice, service marketing, business management, Internet and its application, practical technology foundation of computer network, web design and proction, use of computer tools and software
10. Logistics management
main courses: management, economics, statistics, marketing, introction to economic law, proction and operation management, financial management, international trade, management operations research, logistics management, commodity circulation, logistics cost management, logistics system modeling method, logistics information system, logistics strategic management, international logistics, logistics distribution management, etc Transportation Overview, supply chain management, modern warehouse management, logistics equipment and technology, etc
11. International business
main courses: Basic English, professional English, oral English, foreign trade English correspondence, international trade, international finance, international trade practice, marketing, finance and finance, basic accounting, international settlement, currency and banking, international marketing, international economic cooperation, international commercial law, negotiation and skills, market research and forecasting, etc Public relations
12. Property management
main courses: principles of management, public relations, real estate management, property management, management practice, financial management, financial basis, computer basis, database, statistics, marketing, advanced figures, practical writing, introction to law, macroeconomics
13. Franchise management
main disciplines: management, marketing, franchise introction, logistics management, management information system, strategic management, project management, franchise law, franchise system management, franchise credit evaluation, franchisee training and supervision, international franchise, government franchise, image design of franchised stores, single store management Chain supermarket management, capital operation, entrepreneurship
14. Chain operation management
main courses: economics, management, accounting, statistics, marketing, distribution management, chain operation management principles, chain enterprise procurement management, chain enterprise store operation management, logistics management, chain enterprise information system management, chain enterprise human resource management, enterprise financial management, etc
15, asset appraisal
16, e-commerce and law
17, business planning and management
main courses: four categories: cultural basic course group, professional basic course group, professional core course group and professional elective course group. Professional basic course group (in addition to the courses jointly offered by the management discipline stipulated by the Ministry of Ecation):; Principles of business planning (compulsory course); Business survey (compulsory course); Introction to creative thinking (optional course); Introction to Chinese and foreign planning thoughts (optional course); Organizational behavior (optional course); Sociology elective course)
professional core course (compulsory course): Strategy Research and design
Instry & Business Administration is a kind of discipline that studies the law of business activities of profit-making organizations and the theory, method and technology of enterprise management
there are four secondary disciplines in business administration, namely accounting, business management (including financial management, marketing and human resource management), tourism management, technical economy and management
business administration is a broad-based discipline with a wide range of majors and many courses, covering many courses of economics and management. The students of this major mainly study the basic theories and knowledge of management, economics and business management, receive basic training in business management methods and skills, and have the basic ability to analyze and solve business management problems. The major cultivates senior professional talents of business administration who have the knowledge and ability of management, economy, law and enterprise management, and can engage in management, teaching and scientific research in enterprises, institutions and government departments.

8. About the understanding of financial robots:
let's first talk about the financial robots of Deloitte's big four firms. It's very cool and sci-fi. The outside world thinks that financial robots will be replaced by financial robots. This kind of linear thinking can be understood by people who do not understand finance. Indeed, bookkeeping is a simple and standardized work“ The idea that finance is it is also widely accepted. But calm down and think about it, the functions of these financial robots are more cool than their real value. The financial robot is nothing more than to make the recording of value more efficient, and also to free the financial personnel from the bottom of the business to do more valuable business finance and Strategic Finance. This is worthy of affirmation. Then think about it. When we are in the transition from it (Information Technology) era to DT (data technology) era, it is not only enough to improve the efficiency of recording value. Saving low-end financial personnel is not the focus of enterprises, but how to integrate instry and finance and maximize data value is the focus of enterprises in DT era. While doing a good job in the integration of instry and finance, it is a natural thing to cut off the low-end financial personnel. Never put the cart before the horse
the real intention of the four robots lies in the full quantification rather than sampling of audit, so as to rece their audit cost for large enterprises and realize the value of data. Therefore, from the perspective of auditing, people cut in the things that enterprises can't do well or can't do from this simple point. But this position is still different. Enterprises still need to pay attention to their core problem, which is the accounting efficiency or the imperfect and inadequate integration of instry and finance. Please refer to the author's "core issues of financial work in the era of Intelligent Finance"
we are willing to do things that are easy to understand and can achieve immediate results, and such things generally only solve the appearance problems. Just like many SaaS software for reimbursement on the market, they don't know why there are reimbursement problems. They only improve the efficiency of post processing, and they don't de reimbursement, and they don't control the financial black hole of enterprises. The solutions are mere formality
about the understanding of Financial Sharing Center:
first of all, Financial Sharing Center is the proct of instrial era and PC era. At that time, centralization and intensification are the most suitable procts for the development of that era. Financial Sharing Center has also developed for more than 10 years in China, and few enterprises really do well in it. However, in the past 10 years, science and technology has been iterating for several rounds. It has transited from the PC era to the mobile Internet era. As soon as it enters the era of Internet of things or DT era, several inadaptable problems of Financial Sharing Center will be highlighted
1. The mismatch between centralized thinking and mobile Internet Era:
the symbol of mobile Internet era is sharing, win-win, decentralization and disintermediation. Note that the sharing here refers to the sharing of data and information, not the function sharing and business processing capacity sharing in the Financial Sharing Center. Decentralization is the change of organizational form. It needs to be cross functional and amoebic. Instead of meeting the requirements of new organizational form, centralized thinking has become a bottleneck. Decision making should be left to a team that can "hear the guns."
2. Whether the unified and standardized financial data processing must be centralized:
in the instrial era and PC era, when the Internet technology and data automatic processing capacity are not as developed as they are now, the practice of Financial Sharing Center is in line with the technical environment and the needs of the times. Now the technology has been able to do the centralized processing of the financial sharing center according to the combination of scene and technology, intelligent real-time according to the preset rules, it does not seem to be integrated with the technology of the current era. At present, enterprises need to standardize and unify the financial accounting and processing. The focus is to sort out the rules and processes, and make the scene preset and judgment. Then the intelligent integrated system of instry and finance can automatically process and record according to the scene and preset rules. Then the above problems that the financial robot and the Financial Sharing Center want to solve are solved together. Instead, the solution of existing enterprises is estimated to be the last financial sharing center and financial robot. It looks very good and practical. After comparing the understanding of intelligent finance, we can have a clear judgment
about the understanding of Intelligent Finance:
the key element of intelligent finance is to combine the professional ability of management accounting with the big data and Internet technology in DT era, so as to help enterprise managers and financial workers realize the transformation from recording value to creating value in real time. Then the most critical step is to help enterprises achieve the integration of instry and finance. Without this foundation, the theory and method of management accounting still stay on the plan and paper
the successful operation and management of an enterprise must be from the beginning to the end, and from the beginning to the end; Intelligent finance is to realize the boundless definition of management accounting with the unlimited expansion of technology. Because there are many kinds of enterprise management problems, from cost to performance, from personnel to incentive, the final reflection of the final operation data is the financial data. The ex post value of financial data is far less than the planning value, prediction value and analysis value of process management
therefore, the focus of intelligent finance to solve the problem must be integrated with the business, and the risks that may need to be controlled and the financial support that need to be provided at the source of the business; The efficiency that needs to be improved, the data multi-dimensional labels that need to be left, and the scenarios that need to be set are planned and designed in advance, and then the technology can track, judge, control, analyze and record according to these plans. The advantage of this is that the original enterprise is floating with all kinds of superficial problems. Through the solution of intelligent finance, we can grasp the source and root, pull up the way to maximize the performance and efficiency of the enterprise. Please refer to the author's "how can en + Intelligent Finance improve the market value management level of listed enterprises"
finally, the iteration from intelligent finance to Intelligent Finance:
the development of artificial intelligence will make intelligent finance move towards intelligent finance. Wisdom covers data processing, natural semantic judgment, artificial intelligence thinking and scheme recommendation, but the ultimate goal is to provide valuable business decision support data for enterprises. Technology and the times are constantly changing, but the nature of finance has not changed
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- we are the only fintech (Financial Technology) Company in China with highly configurable and professional financial management solutions built with modeling thinking as the core
- we are a cross-border integration of professional financial management and Internet technology, through SaaS (software as a service) mode to enhance the profitability, internal control ability and financing ability of the company
this article is reproced by Zeng Liang