The main characteristics of Internet Finance include decentraliz

1. 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

3. The characteristics of Internet Finance
1. Low cost. Under the mode of Internet finance, the supply and demand sides of funds can complete information screening, matching, pricing and trading by themselves through the network platform, without traditional intermediary, transaction cost and monopoly profit. On the one hand, financial institutions can avoid the capital investment and operating costs of opening business outlets; On the other hand, consumers can quickly find suitable financial procts on an open and transparent platform, which weakens the degree of information asymmetry and saves time and effort
2. High efficiency. Internet financial business is mainly processed by computer, the operation process is fully standardized, customers do not need to wait in line, the business processing speed is faster, and the user experience is better. For example, alixiaodai relies on the credit database accumulated by e-commerce. After data mining and analysis, it introces risk analysis and credit investigation model. It takes only a few seconds for merchants to apply for loans and issue them. It can complete 10000 loans per day, becoming a real "credit factory"
3. Wide coverage. Under the mode of Internet finance, customers can break through the constraints of time and region, and find the financial resources they need on the Internet. The financial services are more direct and the customer base is wider. In addition, the customers of Internet finance are mainly small and micro enterprises, covering part of the financial service blind area of the traditional financial instry, which is concive to improving the efficiency of resource allocation and promoting the development of the real economy
4. Rapid development. Relying on the development of big data and e-commerce, Internet finance has been growing rapidly. Take yu'ebao as an example, it has been online for 18 days, with more than 2.5 million users and 6.6 billion yuan of transferred funds. According to reports, yu'ebao, with a scale of 50 billion yuan, has become the largest public offering fund
5. Weak management. First, risk control is weak. Internet finance has not been connected to the credit reference system of the people's Bank of China, and there is no credit information sharing mechanism, and there is no risk control, compliance and clearance mechanism similar to that of banks, which is prone to various risk problems. There are P2P online lending platforms such as zhongdai.com and wangyingtianxia.com declaring bankruptcy or stopping services. Second, weak supervision. Internet Finance in China is in its infancy, there is no regulatory and legal constraints, the lack of access threshold and instry norms, the whole instry is facing many policy and legal risks
6. High risk. First, the credit risk is high. At the present stage, China's credit system is not perfect, the relevant laws of Internet finance need to be matched, the cost of Internet Finance default is low, and it is easy to ince malicious fraud, money running and other risk problems. In particular, e to the low access threshold and lack of supervision, P2P online lending platform has become a hotbed for criminals to engage in illegal fund-raising and fraud and other criminal activities. Since last year, P2P online lending platforms such as taojindai, youyi.com and Aetna excellence have successively exposed "runaway" incidents. Second, network security risks. China's Internet security problem is prominent, and the problem of network financial crime can not be ignored. Once attacked by hackers, the normal operation of Internet finance will be affected, endangering the financial security and personal information security of consumers.

4. Low cost
under the mode of Internet finance, the supply and demand sides of funds can complete information screening, matching, pricing and trading by themselves through the network platform, without traditional intermediary, transaction cost and monopoly profit. On the one hand, financial institutions can avoid the capital investment and operating costs of opening business outlets; On the other hand, consumers can quickly find suitable financial procts on an open and transparent platform, which weakens the degree of information asymmetry and saves time and effort<

high efficiency
Internet financial business is mainly handled by computer, and the operation process is fully standardized. Customers do not need to wait in line, so the business processing speed is faster and the user experience is better. For example, alixiaodai relies on the credit database accumulated by e-commerce. After data mining and analysis, it introces risk analysis and credit investigation model. It takes only a few seconds for merchants to apply for loans and issue them. It can complete 10000 loans per day, becoming a real "credit factory"[ 11]

wide coverage
under the Internet finance mode, customers can break through the constraints of time and region, and find the financial resources they need on the Internet. The financial services are more direct and the customer base is wider. In addition, the customers of Internet finance are mainly small and micro enterprises, covering part of the financial service blind area of the traditional financial instry, which is concive to improving the efficiency of resource allocation and promoting the development of the real economy

rapid development
relying on the development of big data and e-commerce, Internet finance has been growing rapidly. Take yu'ebao as an example, it has been online for 18 days, with more than 2.5 million users and 6.6 billion yuan of transferred funds. According to reports, yu'ebao, with a scale of 50 billion yuan, has become the largest public offering fund< First, risk control is weak. Internet finance has not been connected to the credit reference system of the people's Bank of China, and there is no credit information sharing mechanism, and there is no risk control, compliance and clearance mechanism similar to that of banks, which is prone to various risk problems. There are P2P online lending platforms such as zhongdai.com and wangyingtianxia.com declaring bankruptcy or stopping services. Second, weak supervision. Internet Finance in China is in its infancy, there is no regulatory and legal constraints, the lack of access threshold and instry norms, the whole instry is facing many policy and legal risks

high risk
first, high credit risk. At the present stage, China's credit system is not perfect, the relevant laws of Internet finance need to be matched, the cost of Internet Finance default is low, and it is easy to ince malicious fraud, money running and other risk problems. In particular, e to the low access threshold and lack of supervision, P2P online lending platform has become a hotbed for criminals to engage in illegal fund-raising and fraud and other criminal activities. Since last year, P2P online lending platforms such as taojindai, youyi.com and Aetna excellence have successively exposed "runaway" incidents
Second, the risk of network security is high. China's Internet security problem is prominent, and the problem of network financial crime can not be ignored. Once attacked by hackers, the normal operation of Internet finance will be affected, endangering the financial security and personal information security of consumers.

5.

The characteristics of Internet Finance:

1. low cost:

   under the Internet finance mode, the supply and demand sides of funds can complete information screening, matching, pricing and trading by themselves through the network platform, without traditional intermediary, transaction cost and monopoly profit. On the one hand, financial institutions can avoid the capital investment and operating costs of opening business outlets; On the other hand, consumers can quickly find suitable financial procts on an open and transparent platform, which weakens the degree of information asymmetry and saves time and effort

2. high efficiency:

   Internet financial business is mainly processed by computer, the operation process is fully standardized, customers do not need to wait in line, the business processing speed is faster, and the user experience is better. For example, alixiaodai relies on the credit database accumulated by e-commerce. After data mining and analysis, it introces risk analysis and credit investigation model. It takes only a few seconds for merchants to apply for loans and issue them. It can complete 10000 loans per day, becoming a real "credit factory"

3. wide coverage:

   under the Internet financial mode, customers can break through the constraints of time and region, and find the financial resources they need on the Internet. The financial services are more direct and the customer base is wider. In addition, the customers of Internet finance are mainly small and micro enterprises, covering part of the financial service blind area of the traditional financial instry, which is concive to improving the efficiency of resource allocation and promoting the development of the real economy

4. rapid development:

   relying on the development of big data and e-commerce, Internet finance has been growing rapidly. Take yu'ebao as an example, it has been online for 18 days, with more than 2.5 million users and 6.6 billion yuan of transferred funds. According to reports, yu'ebao, with a scale of 50 billion yuan, has become the largest public offering fund

5. weak management: first, weak risk control. Internet finance has not been connected to the credit reference system of the people's Bank of China, and there is no credit information sharing mechanism, and there is no risk control, compliance and clearance mechanism similar to that of banks, which is prone to various risk problems. There are P2P online lending platforms such as zhongdai.com and wangyingtianxia.com declaring bankruptcy or stopping services. Second, weak supervision. Internet Finance in China is in its infancy, there is no regulatory and legal constraints, the lack of access threshold and instry norms, the whole instry is facing many policy and legal risks

6. high risk: first, high credit risk. At present, China's credit system is not perfect, the relevant laws of Internet finance still need to be matched, the cost of Internet Finance default is low, and it is easy to ince the risk problems of malicious loan fraud and money running away. In particular, e to the low access threshold and lack of supervision, P2P online lending platform has become a hotbed for criminals to engage in illegal fund-raising and fraud and other criminal activities. Second, network security risks. The problem of Internet Security in China is prominent, and the problem of Internet financial crime can not be ignored. Once attacked by hackers, the normal operation of Internet finance will be affected, endangering the financial security and personal information security of consumers

6. Internet finance is an emerging field combining traditional financial instry with Internet spirit. In theory, any Internet application involving generalized finance should be Internet finance, including but not limited to third-party payment, sales of online financial procts, credit evaluation audit, financial intermediary, financial Internet finance. The development of Internet finance has gone through many stages, such as online banking, third-party payment, personal loans, enterprise financing, and more and more in the process of financing The matching between the supply and demand of funds goes deep into the core of traditional financial business
the characteristics of Internet finance are: 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, more convenient operation and so on. " Aiding has done a good job in this area.

7. Concept:
Internet Finance (itfin) is a new financial business model that traditional financial institutions and Internet enterprises use Internet technology and information communication technology to achieve financing, payment, investment and information intermediary services
Internet finance is not a simple combination of the Internet and the 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) in the realization of security, mobile and other network technology levels. It is an emerging field combining traditional financial instry with Internet technology<
definition:

Internet Finance (itfin) is an organic combination of Internet technology and financial functions. Relying on big data and cloud computing, it forms a functional financial format and its service system on the open Internet platform, including the financial market system, financial service system, financial organization system, financial service system based on the network platform Financial proct system and Internet financial supervision system, and has Inclusive Finance, platform finance, information finance and fragment finance, which are different from traditional finance
the characteristics of Internet Finance
1. Low cost. Under the mode of Internet finance, the supply and demand sides of funds can complete information screening, matching, pricing and trading by themselves through the network platform, without traditional intermediary, transaction cost and monopoly profit. On the one hand, financial institutions can avoid the capital investment and operating costs of opening business outlets; On the other hand, consumers can quickly find suitable financial procts on an open and transparent platform, which weakens the degree of information asymmetry and saves time and effort
2. High efficiency. Internet financial business is mainly processed by computer, the operation process is fully standardized, customers do not need to wait in line, the business processing speed is faster, and the user experience is better. For example, alixiaodai relies on the credit database accumulated by e-commerce. After data mining and analysis, it introces risk analysis and credit investigation model. It takes only a few seconds for merchants to apply for loans and issue them. It can complete 10000 loans per day, becoming a real "credit factory"

3. Wide coverage. Under the mode of Internet finance, customers can break through the constraints of time and region, and find the financial resources they need on the Internet. The financial services are more direct and the customer base is wider. In addition, the customers of Internet finance are mainly small and micro enterprises, covering part of the financial service blind area of the traditional financial instry, which is concive to improving the efficiency of resource allocation and promoting the development of the real economy< 4. Rapid development. Relying on the development of big data and e-commerce, Internet finance has been growing rapidly. Take yu'ebao as an example, it has been online for 18 days, with more than 2.5 million users and 6.6 billion yuan of transferred funds. According to reports, yu'ebao, with a scale of 50 billion yuan, has become the largest public offering fund< 5. Weak management. First, risk control is weak. Internet finance has not been connected to the credit reference system of the people's Bank of China, and there is no credit information sharing mechanism, and there is no risk control, compliance and clearance mechanism similar to that of banks, which is prone to various risk problems. There are P2P online lending platforms such as zhongdai.com and wangyingtianxia.com declaring bankruptcy or stopping services. Second, weak supervision. Internet Finance in China is in its infancy, there is no regulatory and legal constraints, the lack of access threshold and instry norms, the whole instry is facing many policy and legal risks

6. High risk. First, the credit risk is high. At the present stage, China's credit system is not perfect, the relevant laws of Internet finance need to be matched, the cost of Internet Finance default is low, and it is easy to ince malicious fraud, money running and other risk problems. In particular, e to the low access threshold and lack of supervision, P2P online lending platform has become a hotbed for criminals to engage in illegal fund-raising and fraud and other criminal activities. Since last year, P2P online lending platforms such as taojindai, youyi.com and Aetna excellence have successively exposed "runaway" incidents. Second, network security risks. China's Internet security problem is prominent, and the problem of network financial crime can not be ignored. Once attacked by hackers, the normal operation of Internet finance will be affected, endangering the financial security and personal information security of consumers.