It does not belong to the decentralization of Internet finance

1.

Decentralization is a form of social relations and content proction formed in the development of the Internet. It is a new type of network content proction process relative to "centralization"

decentralizing is not to do without the center, but to let the nodes freely choose and decide the center. In short, centralization means that the center determines the node. The node must depend on the center, and the node cannot survive without the center. In a decentralized system, anyone is a node, and anyone can be a center. Any center is not permanent, but phased, and no center is mandatory for nodes

extended data:

in a system with many nodes, each node has a high degree of autonomy. Nodes can connect freely to each other to form a new connection unit. Any node may become the stage center, but it does not have the mandatory central control function. The influence between nodes will form nonlinear causality through the network. This open, flat and equal system phenomenon or structure is called decentralization

with the deepening of the interaction between subject and object, the constant balance of cognitive function and the continuous improvement of cognitive structure, the indivial can be released from the egocentric state, which is called decentralization

2. If you want to invest, you need to understand. Then make a decision

bitcoin is an e-money payment system based on the global network
bitcoin is an e-money system based on the global decentralized network system, without the participation of central banks and third-party institutions, with a fixed total amount. Bitcoin has the characteristics of payment system and currency at the same time. Global network nodes are maintaining the bitcoin network all day<

English: bitcoin currency symbol: abbreviation: BTC or XBT

Introction to bitcoin by wiki
different from traditional currency, bitcoin's operation mechanism does not rely on the support or credit guarantee of central bank, government and enterprise, but on the network agreement reached with seed files in the network, which is a decentralized and self-improvement monetary system, Theoretically, it ensures that no one, institution or government can control the total amount of bitcoin or create inflation. Its total amount of money graally increased at the designed rate, and the increase rate graally slowed down, and finally reached the limit of 21 million in 2140<

Introction to bitcoin in network
bitcoin is based on a set of cipher codes and generated by complex algorithms. This rule is not interfered by any indivial or organization and is decentralized; Anyone can download and run the bitcoin client to participate in the proction of bitcoin; Bitcoin uses electronic signature to realize circulation, and checks repeated consumption through P2P distributed network. The generation and consumption of each bitcoin will be recorded through the P2P distributed network and informed to the whole network. There is no possibility of forgery. Bitcoin does not rely on specific currency institutions to issue, it is generated through a large number of calculations of specific algorithms. Bitcoin economy uses a distributed database composed of many nodes in the whole P2P network to confirm and record all transactions. The decentralized nature and algorithm of P2P can ensure that it is impossible to artificially manipulate the value of bitcoin through mass proction<

Introction to bitcoin in interactive network
bitcoin is an electronic currency proced by open source P2P software. Bitcoin does not rely on specific currency institutions to issue, it is generated through a large number of calculations of specific algorithms. Bitcoin economy uses a distributed database composed of many nodes in the whole P2P network to confirm and record all transactions. The decentralized nature and algorithm of P2P can ensure that it is impossible to artificially manipulate the value of bitcoin through mass proction<

the difference between bitcoin and bitcoin
it should be noted that

in English, the words bitcoin and bitcoin represent two concepts of payment network and monetary unit

bitcoin starting with capital B represents bitcoin network system or bitcoin network protocol, which is a payment system based on decentralized network

you can simply understand bitcoin as a public accounting system built on the Internet and not manipulated by any third party. Bitcoin, which starts with lowercase B, refers to the digital currency (e-money, e-cash, cryptocurrency) built on bitcoin network. Bitcoin is the payment accounting unit built in bitcoin payment system. We call bitcoin the network system that proces bitcoin<

in Chinese, bitcoin and bitcoin are both called bitcoin without distinction in many places

its main features are as follows:
1. Decentralization

bitcoin is the first distributed virtual currency, and the whole network is composed of users without a central bank. Decentralization is the guarantee of bitcoin's security and freedom< Bitcoin can be managed on any computer connected to the Internet. No matter where you are, anyone can dig, buy, sell or collect bitcoin

3. Exclusive ownership

private key is required to control bitcoin, which can be stored in any storage medium in isolation. No one can get it except the user himself

4. Low transaction cost

bitcoin can be remitted free of charge, but in the end, a small transaction fee will be charged for each transaction to ensure faster transaction execution

5. No hidden cost

as a means of payment from a to B, bitcoin has no cumbersome limit of quota and proceres. If you know the other party's bitcoin address, you can pay<

6. Bitcoin is not completely anonymous
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it will take some time to protect privacy when using bitcoin. All bitcoin transactions are publicly and permanently stored in the network, which means that anyone can view the balance and transaction records in any bitcoin address. Unless the bitcoin holder discloses personal information ring the transaction, the bitcoin address will not be associated with the real identity of the bitcoin holder. This is why it is recommended that bitcoin holders use multiple bitcoin addresses; In fact, you should create a new address each time to receive bitcoin. This is especially important when using bitcoin in public places, such as on websites. In addition, you can also consider using tools like tor to hide your IP address from being recorded. Learning bitcoin

7. Bitcoin is still experimental

bitcoin is an experimental new currency in active development. Although its experimentality is diminishing with its increasing usage, remember that bitcoin is a new invention, exploring ideas that have never been tried before, so no one can predict the future of bitcoin.

3. From the perspective of Internet development, decentralization is the form of social relationship and content generation formed in the process of Internet development, and is a new network content proction process relative to "centralization"
with the diversification of network service forms, the decentralized network model becomes more and more clear and possible. After the rise of Web2.0, the services provided by Wikipedia, Flickr, blogger and other network service providers are decentralized. Any participant can submit content, and Internet users can create or contribute content together
decentralization is a phenomenon or structure, which can only appear or exist in a system with many nodes or in a group with many indivials-- Cloud financial services for you

4.

It refers to a new type of finance that relies on Internet tools such as payment, cloud computing, social network, search engine and app to realize financing, payment and information intermediary business

< H2 > development materials:

Internet finance is an emerging field combining traditional financial instry with Internet spirit. The difference between Internet Finance and traditional finance lies not only in the media used in financial business, but also in the fact that financial participants have a deep understanding of the essence of "openness, equality, cooperation and sharing" of the Internet

through the Internet, mobile Internet and other tools, the traditional financial business has a series of characteristics, such as stronger transparency, higher participation, better collaboration, lower intermediate cost and more convenient operation. In theory, any Internet application involving generalized finance should be Internet finance, including but not limited to the mode of third-party payment, online financial proct sales, credit evaluation audit, financial intermediary, financial e-commerce crowdfunding to create wealth Tongbao, etc

it is not a simple combination of Internet and financial instry, but a new mode and new business that is naturally generated to meet the new needs after being familiar with and accepted by users (especially the acceptance of e-commerce) on the level of network technology such as security and mobile

5. Internet and finance are two different procts and two different fields; Before them, there was a relationship between inclusion and inclusion, and there was also a feature of mutual growth
the Internet refers to the network platform used by the public at ordinary times. Indivials, enterprises and media can operate the Internet online or grow up with the help of the Internet according to their own needs; Finance is divided into two types: offline and online. Now with the popularity of the Internet, many financial companies have joined the Internet platform
first, Internet Finance

this is divided into two kinds, one is the financial procts born from the Internet platform, the other is the offline financial procts added to the Internet. The most obvious thing now is the birth of online wallet, such as Alipay. I don't want to talk about the obvious things offline. Most people will know< Second, financial Internet is mostly offline to online, similar to the phenomenon that many traditional enterprises and new instries join the Internet; It does not involve any model that was born and started on the Internet. It is mainly based on offline and online business< Thirdly, there is not much contradiction between them. They are mutually contained and complementary; The Internet is a platform, which can provide a platform for the financial instry to grow or expand customer resources; Finance is a kind of proct, which can use the Internet field to make its procts more quickly delivered to the people in need, better and more accurate service for the public

it is more and more obvious to consider these two points clearly or apply them properly. Many people like the Internet, and many people like finance, so the two can be perfectly combined to serve the public; We should pay attention to the network platform rules, financial service principles and other standards under their own conditions.

6. So what is the Internet finance that we are discussing now? In fact, the discussion of various Internet Finance in the instry has always been in a vague concept, with various modes, so it is difficult to define them with a unified definition. Therefore, it is necessary to sort out to a certain extent, otherwise a large number of discussions are based on different basic definitions, and it is difficult to have substantive significance
generally speaking, in the current market, it is customary to define all the Internet-based business models related to financial business as "Internet finance". Of course, there is another tendency in the instry. In fact, it is a more direct and simple understanding, that is, only Internet enterprises are involved in the financial field
however, the use of Internet by financial enterprises is not Internet finance, but habitually defined as "financial Internet". This kind of division, in fact, is simply the main body division, which habitually opposes financial institutions and Internet enterprises. The consequence of this opposition is that it has caused a lot of saliva in the instry, but its real significance is very limited, because it artificially excludes the possibility of the integration of the two
leaving aside the definition, we can see from the phenomenon that the most commonly defined mode at present is Internet finance, which can be roughly divided into four modes
the first model is the online P2P model represented by paipai loan. (of course, there is a great differentiation behind P2P, such as paipai loan model, Renren loan model, lufax, Youli net model, etc. as for Yixin model, I personally think it belongs to P2P model, but it is more about the concept of offline operation, which has little to do with the Internet, so I will not define Internet Finance for the moment.) There are also a series of crowdfunding websites (this mode is in its infancy at present, foreign development has certain achievements, and there are not many substantive business websites in China for the time being. The roll call time is a representative, but it has certain public welfare characteristics, which needs to wait and see)
the second mode is the Internet financial mode formed by e-commerce intervention in the financial field represented by Alibaba and Jingdong. Ali is the most representative and has many derivative financial modes< The third mode of BR / > actually involves the third party payment of the bank payment and settlement system, and there are more than 200 payment enterprises represented by Alipay and Cai Fu Tong.
the fourth mode is the financial service field in which a large number of Internet enterprises are involved. Most of them still serve financial institutions as their main operation mode, and they do not intervene in the financial field themselves, such as jimi.com, tongban.com, Dongfang fortune.com and other fund sales websites, as well as the financial information service mode websites such as rong360.com and haodai.com
if there is another Internet financial model, it is the emergence of bitcoin. Many people equate bitcoin with q-coin. I think they are quite different. Behind the q-coin is the equivalent of RMB as the basis of credit, so the birth process of q-coin does not create credit, and the overall monetary system of the society is balanced. No matter how you play Q currency, it will not have an impact on the total amount of social money
bitcoin is not. In fact, bitcoin theoretically creates a monetary system. The credit basis of bitcoin is people's expectation of a constant amount of money. This monetary system creates credit, which can be understood as issuing new money. If the scale is large enough, it will have various impacts on society
according to my own understanding of finance, the first attribute behind finance is absolutely political, which means that it is impossible for society to have a financial system separated from political attribute. The paradox of bitcoin appears. If we amuse ourselves, it has nothing to do with the nature of finance. Once it affects the social monetary system, it must be included in the regulation. Decentralized bitcoin is just a kind of diversified currency issued in the political system, so the so-called subversion is out of the question
at present, the most popular Internet financial models in the market are P2P model and Ali model. The development of P2P started in 2007 and developed very rapidly after 2009, which has attracted more and more attention. Due to the low entry threshold and the lack of supervision, this model has been in a fully competitive situation from the beginning. In order to maintain their respective competitive advantages, P2P began to appear a variety of differentiation, differentiation behind a large number of P2P mode
generally speaking, it has deviated from its original intention when it was first born. Now, the essence of P2P is actually a financial institution that has approved the appearance of Internet, but such financial institutions have no license access and no regulatory involvement

7. Direct financing, to put it bluntly, means that people who are short of money borrow money directly from those who are rich. Stock is the most typical way of direct financing. When you buy stock, it is equivalent to lending money to the enterprise, and then it gives you dividends every year. So is bonds. When you buy bonds of an enterprise, it pays you interest every year. Indirect financing means that rich people or enterprises do not directly lend money to people who are short of money, but through intermediaries. Who are the intermediaries? The most typical is the bank. A large number of people deposit their money in the bank. The bank uniformly arranges and dispatches the funds to the people or enterprises who are short of money. We get the interest given by the bank when we deposit, while the bank gets the interest given by the enterprise when we lend. The difference between the two is the profit of the bank There are two characteristics in the circulation of credit currency: one is the separation of ownership and use right; the other is that the separation process is remunerative, which is generally reflected as interest or dividend.)
and the Internet is just a new realization of the underlying structure of human beings. So the most basic financial transactions also have the potential to be put on the Internet. It's just that people's operating habits allow this to happen Here, yu'ebao is just a monetary fund, which makes the transaction more convenient. It is not a financial innovation in a strict sense.
Professor Xie Ping, who first proposed the concept of Internet Finance in China, once proposed a third financing method, namely "Internet finance mode", which is different from direct financing and indirect financing, It may represent most people's understanding of this model. His definition is: the payment is convenient, the degree of market information asymmetry is very low, the direct transaction between the supply and demand sides of funds, banks, securities companies, exchanges and other financial intermediaries do not work, which can achieve the same efficiency of resource allocation as the current direct and indirect financing, and greatly rece the transaction cost while promoting economic growth. He regards Internet finance as the third way of financing. Of course, you can also regard any behavior that realizes this financing through Internet technology as Internet finance. The behavior of traditional financial institutions using the Internet to improve their efficiency can be defined as Internet finance
I think the key is to understand that the core meaning of Internet finance is to realize disintermediation, which is called financial disintermediation. Hope to make use of the Internet will make the information continuously transparent, make the intermediary lose the information advantage that depends on the information asymmetry, make the various participants of the society more flat, and also to a certain extent compress the specialization advantage of financial intermediaries brought by the specialization division of labor, and make the functions of a large number of financial institutions continue to differentiate or even disappear
[Internet finance or financial Internet?] There is a point of view in the instry: Internet enterprises, involved in the financial field, is the Internet finance. Financial enterprises use Internet means, not Internet finance, but financial Internet. I don't think it's advisable to separate them from each other in this way. It's no more than the issue of who serves who to use financial thinking to do Internet or Internet thinking to do finance
the Internet finance that I agree with is not only to sell off-line financial procts on the Internet, but also to use the "spirit" of the Internet to do what the traditional financial instry does. What is the traditional Internet spirit? Is open, is equal, is cooperation, is sharing, is decentralized, is the customer experience first!! In the short run, the core of China's Internet finance instry is still the financial attribute, the Internet is just a tool, and generally abides by the financial rules. You see, P2P, which has the most internet financial attribute abroad, has been made into a financial Internet mode in China because of the lack of effective risk control. P2P companies directly intervene in the transaction and become a party to the transaction, which makes Internet finance, which should have been financial disintermediation, become a mode that needs its own credit addition. In essence, it becomes a guarantee company and part of P2P, Even become a bank, using the construction of capital pool, let oneself become a bank without a license, this kind of deformation, in fact, has been a typical departure from the mode of Internet finance should have. Their essence is financial institutions. Here are no examples.