Does Internet Finance include numbers or money

1. 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 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. It is an emerging field combining traditional financial instry with Internet spirit
the main categories of the Internet:
crowdfunding, P2P online lending, third-party payment, digital currency, big data finance, financial institutions, financial portals, etc.

2. Internet finance mainly includes content:
payment proct
third party payment tool is the earliest form of Internet financial procts in China. It is represented by Alipay's Alibaba and Fu Tong of Tencent. It was born before the UnionPay super Internet banking release. The purpose is to help users to settle accounts with any bank's bank cards when they are trading on the Internet platform. Businesses do not need to set up accounts in every bank
typical proct
Alipay mainly provides payment and financial services. It includes online purchase guarantee transaction, online payment, transfer, credit card repayment, mobile phone recharge, water, electricity and coal payment, personal finance and other fields
third party payment is a typical example of using modern technology to solve financial problems. After the emergence of third party payment procts, it not only simplifies the user's payment process, but also allows small businesses to integrate payment behavior into their own procts without deep cooperation with banks, bringing better experience<
Internet based financial procts
at present, Internet based financial procts are divided into two parts:
P2P online loan
P2P is the abbreviation of "person to person", which means "person to person". Internet credit originated in the United Kingdom, and then developed to the United States, Germany and other countries. Its typical mode is: Internet credit companies provide a platform for both sides of the loan to freely bid and match transactions. The lender obtains interest income and bears risks; When the borrower repays the principal, the Internet credit company charges the intermediary service fee
after taking root in China, the financial management plan of fund pool based on online loan is derived, that is, users deposit their funds in a fund pool similar to the fund on the online loan platform, and the online loan platform will screen and bid for the projects. The first mock exam is very similar to the bank's lending and borrowing model, so many P2P lending platforms are counted as part of the shadow banking system and are now on the brink of the current law.
the typical proct
building block box is to use Internet information technology to match online information between borrowers with financing needs and investors with surplus financing funds, so as to help investors find a platform with balanced risk and return
it is worth noting that, in essence, P2P online lending is still a kind of lending behavior, and any commitment to guarantee capital and income is impossible. For the online loan platform guaranteed by the guarantee company, the qualification and strength of the guarantee company should be checked
Internet Fund
Internet Fund is the typical representative of the "balance treasure" that the instry loves and hates. We may use the mechanism of the balance treasure to explain the operation mode of the Internet Fund: 1., users will store idle funds in Alipay's virtual account Alipay. 2. User authorization allows Alibaba to use these funds for fund operation; 3. Alibaba invests this part of funds into the funds with cooperation agreements signed before; 4. Alibaba will return the user's income after obtaining the income
typical procts
if you transfer money to yu'ebao, you can get certain income. Support for Alipay account balance payment, quick payment of savings card (including cartoon) funds transferred. There is no handling charge. Through the "balance treasure", users' funds retained in Alipay can not only get "interest", but also have higher returns compared with the interest rate on demand deposits.
crowdfunding
not all crowdfunding can be called Internet finance. Let's briefly introce two directions of crowdfunding:
return crowdfunding: return crowdfunding does not belong to Internet finance. It is a kind of commodity pre purchase behavior. Users pay part or all of the purchase fee before the merchant makes or develops the commodity, After the completion of the proction of goods, businesses cash their own goods or services. The advantage of this model is that businesses can accurately carry out proction and development, know the accurate market reaction in advance, and avoid blind proction. Generally, in return crowdfunding, businesses will set a lower limit on the total amount. If they do not raise enough funds for booking in a certain period (such as 30 days), then businesses will often give up crowdfunding. In China, the previous roll call time, ju.so, and later China dream.com and Jingdong crowdfunding are all paid back crowdfunding
typical procts
crowdfunding mode is introced into China at roll call time. In the early days of the website (July 2011), publishing, film and television, music, design, science and technology, and even public welfare and personal behavior projects can be released at roll call time. At the beginning of 2012, after accumulating half a year's operation data, it was found that the overall project support rate and conversion rate of the website exceeded many e-commerce platforms, the project fund-raising began to exceed 500000, the roll call time began to attract the attention of the instry, and the crowdfunding mode began to sprout in China
equity based crowdfunding: Equity Based crowdfunding is a part of Internet finance, because equity based crowdfunding is not really "crowdfunding" in China, because there are policy risks in fund-raising for non-specific users. In equity crowdfunding, the project publicizes its financing information to some audited investors through the platform, and transfers its equity. In China, taking Angel crunch as an example, only the investment personnel certified on the platform can see the financing information of the enterprise. Angel meeting selects excellent projects to enter the rapid joint venture, and promotes the rapid completion of financing within 30 days<
typical procts
ANGEL pool was established in November 2011, which is the first platform in China to release angel investors' crowdfunding rules. Angel exchange aims to give full play to the efficient and transparent advantages of the Internet and realize the rapid docking between entrepreneurs and angel investors
at present, there are only three types of Internet financial procts. However, with the deepening of informatization and the opening of policies, all financial services are likely to be Internet-based in the future. At that time, the boundary between Internet Finance and traditional finance will disappear.

3. Internet finance is the six major models: online lending, crowdfunding, third-party payment, big data finance, virtual currency (bitcoin), baby Corps (like yu'ebao procts). Jr123 is a collection of the best financial websites and resources, including online lending, crowdfunding, third-party payment, bitcoin, baby corps and other Internet financial websites

4. 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 different 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, traditional financial business has stronger transparency, higher participation, better cooperation, lower intermediate cost, higher efficiency, and higher efficiency More convenient operation and other features. 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
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. 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 financing, the matching of the supply and demand of funds and so on.

5. Internet finance is a big concept, which mainly includes P2P online lending, crowdfunding, third-party payment, digital currency, big data finance, information financial institutions, financial portals, etc.

6. It works in a short time, but the isolation is of little significance. Because if you put two hard disks together, although the SSD has little heat, the heat will accumulate, and eventually it will not dissipate, or it will overheat
it's important that the heat should be dissipated, so it's better to leave space between the hard disks, and if necessary, add a small fan to blow and let the air circulate
this is similar to Dayu's principle of "blocking" and "Dredging". Isolation is blocking. It can only work in a short time.