Is digital currency the Internet financial model
Publish: 2021-04-19 12:45:03
1.
digital currency is an alternative currency in the form of electronic currency (which can be used for real goods and services transactions)
digital currency has the main characteristics of network packets. This kind of data packet is composed of data code and identification code. The data code is the content we need to transmit, while the identification code indicates where the data packet comes from and goes
based on the characteristics of digital currency, the direct benefit of digital currency to the central bank is not only to save the cost of note issuance, circulation and settlement, but also to enhance the central bank's ability to control funds
Electronic money and virtual money are called digital money. According to the definition of the European Central Bank, virtual money is issued by non central banks, credit institutions and e-money institutions, which can be used as the numerical expression of the value of currency substitutes in some cases{rrrrrrr}
extended information:
the process of digital currency trading through the platform is as follows:
(1) investors should register accounts first, and obtain digital currency accounts and US dollar or other foreign exchange accounts at the same time
(2) users can buy and sell digital currency with the money in their cash account, just like buying and selling stocks and futures
(3) the trading platform will sort the buying requests and selling requests according to the rules and start to match them. If they meet the requirements, the transaction will be concluded
(4) e to the difference between the buy and sell volumes submitted by users, a buy or sell request may be partially executed
2. At present, digital currency is more like an investment proct, and its development is inseparable from the trading platform, operating companies and investors. Dcpro is such a platform, the mainstream platform.
3. Internet currency, also known as virtual currency, digital currency or electronic currency, is totally different from the currency we use in reality. In the "Internet social form", people set up or participate in the community according to their own needs. Members of the same community form a common credit value based on the same needs. Internet currency is a "new currency form" formed on this basis
Internet digital currency itself will not cheat people. Internet digital currency is just a tool, it depends on the people who use it
since 2013, digital currency has been popular all over the world, and has been on the front page of major news for many times
however, the digital money pyramid schemes also emerge one after another
the typical mode of digital money pyramid selling is to choose a ready-made one, or simply program yourself to invent a digital currency
1. Package several "experts", "elites" and "government officials"
2. Publicize all kinds of cases of making a fortune online and offline. Design the illusion of digital currency appreciation
3. The cheated directly invest to buy the digital currency
4. Give the cheated a compound interest reward or a direct rebate after the end of the investment cycle. Rewards are also digital money itself
5
6. Organizers sell a large number of digital currencies for cash, and the currency price will drop sharply
7. Claiming to be attacked by hackers, claiming to be controlled by makers, resulting in the decline of currency price
8. Running
the pyramid selling of digital currency is a combination of general pyramid selling, Ponzi scheme and direct selling. Compared with general pyramid selling, digital currency pyramid selling has three additional characteristics:
1. And the packaging is very advanced
2. Participants can get a head pulling reward. The prize is the digital currency itself
3. Digital currency tends to appreciate as more people participate in the scam. Participants can obtain the growth of the number of digital currency itself and the growth of book converted legal currency, including the lowest level participants
conclusion: in the early stage of digital money pyramid scheme, it is pyramid scheme, and in the later stage, it turns into Ponzi scheme immediately.
Internet digital currency itself will not cheat people. Internet digital currency is just a tool, it depends on the people who use it
since 2013, digital currency has been popular all over the world, and has been on the front page of major news for many times
however, the digital money pyramid schemes also emerge one after another
the typical mode of digital money pyramid selling is to choose a ready-made one, or simply program yourself to invent a digital currency
1. Package several "experts", "elites" and "government officials"
2. Publicize all kinds of cases of making a fortune online and offline. Design the illusion of digital currency appreciation
3. The cheated directly invest to buy the digital currency
4. Give the cheated a compound interest reward or a direct rebate after the end of the investment cycle. Rewards are also digital money itself
5
6. Organizers sell a large number of digital currencies for cash, and the currency price will drop sharply
7. Claiming to be attacked by hackers, claiming to be controlled by makers, resulting in the decline of currency price
8. Running
the pyramid selling of digital currency is a combination of general pyramid selling, Ponzi scheme and direct selling. Compared with general pyramid selling, digital currency pyramid selling has three additional characteristics:
1. And the packaging is very advanced
2. Participants can get a head pulling reward. The prize is the digital currency itself
3. Digital currency tends to appreciate as more people participate in the scam. Participants can obtain the growth of the number of digital currency itself and the growth of book converted legal currency, including the lowest level participants
conclusion: in the early stage of digital money pyramid scheme, it is pyramid scheme, and in the later stage, it turns into Ponzi scheme immediately.
4. Development mode
crowdfunding
crowdfunding is to raise funds from the public or the public, which refers to the mode of raising project funds from netizens in the form of group purchase in advance. The purpose of crowdfunding is to make use of the characteristics of Internet and SNS communication, so that start-ups, artists or indivials can show their ideas and projects to the public, strive for everyone's attention and support, and then obtain the necessary financial assistance. The operation mode of crowdfunding platform is similar: indivials or teams who need funds will hand over the project planning to crowdfunding platform, and after relevant audit, they can establish their own page on the platform's website to introce the project to the public[ 4]
P2P online loan
P2P [5] (peer-to-peer lending), namely peer-to-peer credit. P2P online lending refers to the matching of loan and loan sides through the third-party Internet platform. The people who need to borrow can find the people who have the ability to lend and are willing to lend based on certain conditions through the website platform, and help the lender to spread the risk by sharing a loan amount with other lenders, It also helps borrowers to choose attractive interest rate terms from fully comparative information
there are two operation modes, the first is pure online mode, which is characterized by the fact that capital lending activities are carried out online, not combined with offline audit. Generally, the measures taken by these enterprises to verify the borrower's qualification include video authentication, checking bank statements, identity authentication, etc. The second mode is the combination of online and offline. After the borrower submits the loan application online, the platform checks the borrower's credit and repayment ability by means of household investigation through the agents in the city<
third party payment
in a narrow sense, third party payment refers to the electronic payment mode in which non bank institutions with certain strength and reputation guarantee, with the help of communication, computer and information security technology, sign contracts with major banks to establish a connection between users and bank payment and settlement system
according to the definition of non-financial institution payment service given by the people's Bank of China in the administrative measures for payment services of non-financial institutions in 2010, in a broad sense, third-party payment refers to the online payment, prepaid card, bank card receipt and other payment services provided by non-financial institutions as payment intermediaries of payees and payers. Third party payment is not only limited to the initial Internet payment, but also becomes a comprehensive payment tool with full online and offline coverage and richer application scenarios<
digital currency
in addition to the booming forms of third-party payment, P2P loan mode, small loan mode, crowdfunding and yu'ebao mode, the internet currency represented by bitcoin also began to show its fangs [6]
the outbreak of internet currency represented by bitcoin and other digital currencies, in a sense, is more disruptive than any other form of Internet finance. On August 19, 2013, the German government officially recognized the legal "currency" status of bitcoin, which can be used for tax payment and other legal purposes. Germany has become the first country in the world to recognize bitcoin. This means that bitcoin has begun to "wash white" graally, from the Geek's plaything to the public's attention. Perhaps, it can give birth to a real Internet financial empire
bitcoin is hot and it's also falling sharply. In any case, this Internet gold rush banquet, which seems to have been very far away from us, has graally come into our sight. It makes people see that the ultimate form of Internet finance is internet currency. All Internet finance is only a challenge to the existing commercial banks and securities companies. The development of internet currency in the future is a challenge to the central bank. Maybe bitcoin will overturn the traditional financial growth and become the first global currency. Maybe it will eventually collapse. Anyway, it is certain that bitcoin will leave an eternal legacy to mankind[ 6]
big data finance
big data finance refers to the collection of massive unstructured data, through real-time analysis, it can provide Internet financial institutions with comprehensive information of customers, master customers' consumption habits and accurately predict customers' behavior by analyzing and mining customers' transaction and consumption information, So that financial institutions and financial services platform in marketing and risk control targeted [7]
financial service platform based on big data mainly refers to the financial services carried out by e-commerce enterprises with massive data. The key to big data is the ability to quickly obtain useful information from a large amount of data, or the ability to quickly realize and utilize big data assets. Therefore, the information processing of big data is often based on cloud computing<
financial institutions
the so-called information-based financial institutions refer to the financial institutions such as banks, securities and insurance, which transform or reconstruct the traditional operation process through the use of information technology to realize the comprehensive electronic operation and management. Financial informatization is one of the development trends of financial instry, and information-based financial institutions are the procts of financial innovation
from the perspective of the whole financial instry, the informatization construction of banks has always been at the leading level in the instry. It not only has an international leading financial information technology platform, and has built a three-dimensional e-banking service system composed of self-service banking, telephone banking, mobile banking and online banking, but also takes the lead in the instry with a large amount of informatization data concentration project, In addition to the innovative financial services based on the Internet, it has also formed a "portal", "online banking, financial procts supermarket, e-commerce" one drag three financial e-commerce innovation service mode<
financial portal
Internet financial portal (itfin) is a platform that uses the Internet to sell financial procts and provide third-party services for the sale of financial procts. Its core is the "search price comparison" mode, which adopts the vertical price comparison of financial procts, puts the procts of various financial institutions on the platform, and users select the appropriate financial procts through comparison
the Internet financial portal has diversified, innovated and developed to form a third-party financial institution providing high-end financial investment services and financial procts, and an insurance portal providing insurance proct consultation, price comparison and purchase services. This model does not have too many policy risks, because its platform is neither responsible for the actual sales of financial procts, nor bear any adverse risks, and the funds do not pass through the intermediate platform at all.
crowdfunding
crowdfunding is to raise funds from the public or the public, which refers to the mode of raising project funds from netizens in the form of group purchase in advance. The purpose of crowdfunding is to make use of the characteristics of Internet and SNS communication, so that start-ups, artists or indivials can show their ideas and projects to the public, strive for everyone's attention and support, and then obtain the necessary financial assistance. The operation mode of crowdfunding platform is similar: indivials or teams who need funds will hand over the project planning to crowdfunding platform, and after relevant audit, they can establish their own page on the platform's website to introce the project to the public[ 4]
P2P online loan
P2P [5] (peer-to-peer lending), namely peer-to-peer credit. P2P online lending refers to the matching of loan and loan sides through the third-party Internet platform. The people who need to borrow can find the people who have the ability to lend and are willing to lend based on certain conditions through the website platform, and help the lender to spread the risk by sharing a loan amount with other lenders, It also helps borrowers to choose attractive interest rate terms from fully comparative information
there are two operation modes, the first is pure online mode, which is characterized by the fact that capital lending activities are carried out online, not combined with offline audit. Generally, the measures taken by these enterprises to verify the borrower's qualification include video authentication, checking bank statements, identity authentication, etc. The second mode is the combination of online and offline. After the borrower submits the loan application online, the platform checks the borrower's credit and repayment ability by means of household investigation through the agents in the city<
third party payment
in a narrow sense, third party payment refers to the electronic payment mode in which non bank institutions with certain strength and reputation guarantee, with the help of communication, computer and information security technology, sign contracts with major banks to establish a connection between users and bank payment and settlement system
according to the definition of non-financial institution payment service given by the people's Bank of China in the administrative measures for payment services of non-financial institutions in 2010, in a broad sense, third-party payment refers to the online payment, prepaid card, bank card receipt and other payment services provided by non-financial institutions as payment intermediaries of payees and payers. Third party payment is not only limited to the initial Internet payment, but also becomes a comprehensive payment tool with full online and offline coverage and richer application scenarios<
digital currency
in addition to the booming forms of third-party payment, P2P loan mode, small loan mode, crowdfunding and yu'ebao mode, the internet currency represented by bitcoin also began to show its fangs [6]
the outbreak of internet currency represented by bitcoin and other digital currencies, in a sense, is more disruptive than any other form of Internet finance. On August 19, 2013, the German government officially recognized the legal "currency" status of bitcoin, which can be used for tax payment and other legal purposes. Germany has become the first country in the world to recognize bitcoin. This means that bitcoin has begun to "wash white" graally, from the Geek's plaything to the public's attention. Perhaps, it can give birth to a real Internet financial empire
bitcoin is hot and it's also falling sharply. In any case, this Internet gold rush banquet, which seems to have been very far away from us, has graally come into our sight. It makes people see that the ultimate form of Internet finance is internet currency. All Internet finance is only a challenge to the existing commercial banks and securities companies. The development of internet currency in the future is a challenge to the central bank. Maybe bitcoin will overturn the traditional financial growth and become the first global currency. Maybe it will eventually collapse. Anyway, it is certain that bitcoin will leave an eternal legacy to mankind[ 6]
big data finance
big data finance refers to the collection of massive unstructured data, through real-time analysis, it can provide Internet financial institutions with comprehensive information of customers, master customers' consumption habits and accurately predict customers' behavior by analyzing and mining customers' transaction and consumption information, So that financial institutions and financial services platform in marketing and risk control targeted [7]
financial service platform based on big data mainly refers to the financial services carried out by e-commerce enterprises with massive data. The key to big data is the ability to quickly obtain useful information from a large amount of data, or the ability to quickly realize and utilize big data assets. Therefore, the information processing of big data is often based on cloud computing<
financial institutions
the so-called information-based financial institutions refer to the financial institutions such as banks, securities and insurance, which transform or reconstruct the traditional operation process through the use of information technology to realize the comprehensive electronic operation and management. Financial informatization is one of the development trends of financial instry, and information-based financial institutions are the procts of financial innovation
from the perspective of the whole financial instry, the informatization construction of banks has always been at the leading level in the instry. It not only has an international leading financial information technology platform, and has built a three-dimensional e-banking service system composed of self-service banking, telephone banking, mobile banking and online banking, but also takes the lead in the instry with a large amount of informatization data concentration project, In addition to the innovative financial services based on the Internet, it has also formed a "portal", "online banking, financial procts supermarket, e-commerce" one drag three financial e-commerce innovation service mode<
financial portal
Internet financial portal (itfin) is a platform that uses the Internet to sell financial procts and provide third-party services for the sale of financial procts. Its core is the "search price comparison" mode, which adopts the vertical price comparison of financial procts, puts the procts of various financial institutions on the platform, and users select the appropriate financial procts through comparison
the Internet financial portal has diversified, innovated and developed to form a third-party financial institution providing high-end financial investment services and financial procts, and an insurance portal providing insurance proct consultation, price comparison and purchase services. This model does not have too many policy risks, because its platform is neither responsible for the actual sales of financial procts, nor bear any adverse risks, and the funds do not pass through the intermediate platform at all.
5. There are mainly several modes of Internet Finance:
crowdfunding
crowdfunding, which means mass financing or mass financing, refers to the mode of raising project funds from netizens in the form of group purchase in advance. The purpose of crowdfunding is to make use of the characteristics of Internet and SNS communication, so that start-ups, artists or indivials can show their ideas and projects to the public, strive for everyone's attention and support, and then obtain the necessary financial assistance. The operation mode of crowdfunding platform is similar: indivials or teams who need funds will hand over the project planning to crowdfunding platform, and after relevant audit, they can establish their own page on the platform's website to introce the project to the public<
P2P network loan
P2P (peer-to-peer lending), that is, peer-to-peer credit. P2P online lending refers to the matching of loan and loan sides through the third-party Internet platform. The people who need to borrow can find the people who have the ability to lend and are willing to lend based on certain conditions through the website platform, and help the lender to spread the risk by sharing a loan amount with other lenders, It also helps borrowers to choose attractive interest rate terms from fully comparative information
there are two operation modes, the first is pure online mode, which is characterized by the fact that capital lending activities are carried out online, not combined with offline audit. Generally, the measures taken by these enterprises to verify the borrower's qualification include video authentication, checking bank statements, identity authentication, etc. The second mode is the combination of online and offline. After the borrower submits the loan application online, the platform checks the borrower's credit and repayment ability by means of household investigation through the agents in the city<
third party payment
in a narrow sense, third party payment refers to the electronic payment mode in which non bank institutions with certain strength and reputation guarantee, with the help of communication, computer and information security technology, sign contracts with major banks to establish a connection between users and bank payment and settlement system
according to the definition of non-financial institution payment service given by the people's Bank of China in the administrative measures for payment services of non-financial institutions in 2010, in a broad sense, third-party payment refers to the online payment, prepaid card, bank card receipt and other payment services provided by non-financial institutions as payment intermediaries of payees and payers. Third party payment is not only limited to the initial Internet payment, but also becomes a comprehensive payment tool with full online and offline coverage and richer application scenarios<
digital currency
in addition to the booming forms of third-party payment, P2P loan mode, small loan mode, crowdfunding and yu'ebao mode, the internet currency represented by bitcoin also began to show its fangs
the outbreak of internet currency represented by bitcoin and other digital currencies, in a sense, is more disruptive than any other form of Internet finance. On August 19, 2013, the German government officially recognized the legal "currency" status of bitcoin, which can be used for tax payment and other legal purposes. Germany has become the first country in the world to recognize bitcoin. This means that bitcoin has begun to "wash white" graally, from the Geek's plaything to the public's attention. Perhaps, it can give birth to a real Internet financial empire
bitcoin is hot and it's also falling sharply. In any case, this Internet gold rush banquet, which seems to have been very far away from us, has graally come into our sight. It makes people see that the ultimate form of Internet finance is internet currency. All Internet finance is only a challenge to the existing commercial banks and securities companies. The development of internet currency in the future is a challenge to the central bank. Maybe bitcoin will overturn the traditional financial growth and become the first global currency. Maybe it will eventually collapse. Anyway, it is certain that bitcoin will leave an eternal legacy to mankind
big data finance
big data finance refers to the collection of massive unstructured data. Through real-time analysis of it, it can provide Internet financial institutions with all-round information of customers, master customers' consumption habits by analyzing and mining customers' transaction and consumption information, and accurately predict customers' behavior, So that financial institutions and financial services platform in marketing and risk control targeted
financial service platform based on big data mainly refers to the financial services carried out by e-commerce enterprises with massive data. The key to big data is the ability to quickly obtain useful information from a large amount of data, or the ability to quickly realize and utilize big data assets. Therefore, the information processing of big data is often based on cloud computing<
information based financial institutions
the so-called information-based financial institutions refer to the financial institutions such as banks, securities and insurance, which use information technology to transform or reconstruct the traditional operation process and realize the comprehensive electronic operation and management. Financial informatization is one of the development trends of financial instry, and information-based financial institutions are the procts of financial innovation
from the perspective of the whole financial instry, the informatization construction of banks has always been at the leading level in the instry. It not only has an international leading financial information technology platform, and has built a three-dimensional e-banking service system composed of self-service banking, telephone banking, mobile banking and online banking, but also takes the lead in the instry with a large amount of informatization data concentration project, In addition to the innovative financial services based on the Internet, it has also formed a "portal", "online banking, financial procts supermarket, e-commerce" one drag three financial e-commerce innovation service mode<
financial portal
Internet financial portal (itfin) is a platform that uses the Internet to sell financial procts and provide third-party services for the sale of financial procts. Its core is the "search price comparison" mode, which adopts the vertical price comparison of financial procts, puts the procts of various financial institutions on the platform, and users select the appropriate financial procts through comparison
the Internet financial portal has diversified, innovated and developed to form a third-party financial institution providing high-end financial investment services and financial procts, and an insurance portal providing insurance proct consultation, price comparison and purchase services. This model does not have too many policy risks, because its platform is neither responsible for the actual sales of financial procts, nor bear any adverse risks, and the funds do not pass through the intermediate platform at all.
crowdfunding
crowdfunding, which means mass financing or mass financing, refers to the mode of raising project funds from netizens in the form of group purchase in advance. The purpose of crowdfunding is to make use of the characteristics of Internet and SNS communication, so that start-ups, artists or indivials can show their ideas and projects to the public, strive for everyone's attention and support, and then obtain the necessary financial assistance. The operation mode of crowdfunding platform is similar: indivials or teams who need funds will hand over the project planning to crowdfunding platform, and after relevant audit, they can establish their own page on the platform's website to introce the project to the public<
P2P network loan
P2P (peer-to-peer lending), that is, peer-to-peer credit. P2P online lending refers to the matching of loan and loan sides through the third-party Internet platform. The people who need to borrow can find the people who have the ability to lend and are willing to lend based on certain conditions through the website platform, and help the lender to spread the risk by sharing a loan amount with other lenders, It also helps borrowers to choose attractive interest rate terms from fully comparative information
there are two operation modes, the first is pure online mode, which is characterized by the fact that capital lending activities are carried out online, not combined with offline audit. Generally, the measures taken by these enterprises to verify the borrower's qualification include video authentication, checking bank statements, identity authentication, etc. The second mode is the combination of online and offline. After the borrower submits the loan application online, the platform checks the borrower's credit and repayment ability by means of household investigation through the agents in the city<
third party payment
in a narrow sense, third party payment refers to the electronic payment mode in which non bank institutions with certain strength and reputation guarantee, with the help of communication, computer and information security technology, sign contracts with major banks to establish a connection between users and bank payment and settlement system
according to the definition of non-financial institution payment service given by the people's Bank of China in the administrative measures for payment services of non-financial institutions in 2010, in a broad sense, third-party payment refers to the online payment, prepaid card, bank card receipt and other payment services provided by non-financial institutions as payment intermediaries of payees and payers. Third party payment is not only limited to the initial Internet payment, but also becomes a comprehensive payment tool with full online and offline coverage and richer application scenarios<
digital currency
in addition to the booming forms of third-party payment, P2P loan mode, small loan mode, crowdfunding and yu'ebao mode, the internet currency represented by bitcoin also began to show its fangs
the outbreak of internet currency represented by bitcoin and other digital currencies, in a sense, is more disruptive than any other form of Internet finance. On August 19, 2013, the German government officially recognized the legal "currency" status of bitcoin, which can be used for tax payment and other legal purposes. Germany has become the first country in the world to recognize bitcoin. This means that bitcoin has begun to "wash white" graally, from the Geek's plaything to the public's attention. Perhaps, it can give birth to a real Internet financial empire
bitcoin is hot and it's also falling sharply. In any case, this Internet gold rush banquet, which seems to have been very far away from us, has graally come into our sight. It makes people see that the ultimate form of Internet finance is internet currency. All Internet finance is only a challenge to the existing commercial banks and securities companies. The development of internet currency in the future is a challenge to the central bank. Maybe bitcoin will overturn the traditional financial growth and become the first global currency. Maybe it will eventually collapse. Anyway, it is certain that bitcoin will leave an eternal legacy to mankind
big data finance
big data finance refers to the collection of massive unstructured data. Through real-time analysis of it, it can provide Internet financial institutions with all-round information of customers, master customers' consumption habits by analyzing and mining customers' transaction and consumption information, and accurately predict customers' behavior, So that financial institutions and financial services platform in marketing and risk control targeted
financial service platform based on big data mainly refers to the financial services carried out by e-commerce enterprises with massive data. The key to big data is the ability to quickly obtain useful information from a large amount of data, or the ability to quickly realize and utilize big data assets. Therefore, the information processing of big data is often based on cloud computing<
information based financial institutions
the so-called information-based financial institutions refer to the financial institutions such as banks, securities and insurance, which use information technology to transform or reconstruct the traditional operation process and realize the comprehensive electronic operation and management. Financial informatization is one of the development trends of financial instry, and information-based financial institutions are the procts of financial innovation
from the perspective of the whole financial instry, the informatization construction of banks has always been at the leading level in the instry. It not only has an international leading financial information technology platform, and has built a three-dimensional e-banking service system composed of self-service banking, telephone banking, mobile banking and online banking, but also takes the lead in the instry with a large amount of informatization data concentration project, In addition to the innovative financial services based on the Internet, it has also formed a "portal", "online banking, financial procts supermarket, e-commerce" one drag three financial e-commerce innovation service mode<
financial portal
Internet financial portal (itfin) is a platform that uses the Internet to sell financial procts and provide third-party services for the sale of financial procts. Its core is the "search price comparison" mode, which adopts the vertical price comparison of financial procts, puts the procts of various financial institutions on the platform, and users select the appropriate financial procts through comparison
the Internet financial portal has diversified, innovated and developed to form a third-party financial institution providing high-end financial investment services and financial procts, and an insurance portal providing insurance proct consultation, price comparison and purchase services. This model does not have too many policy risks, because its platform is neither responsible for the actual sales of financial procts, nor bear any adverse risks, and the funds do not pass through the intermediate platform at all.
6. 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.
the main categories of the Internet:
crowdfunding, P2P online lending, third-party payment, digital currency, big data finance, financial institutions, financial portals, etc.
7. Definition of Internet Finance: 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 management 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 development mode of Internet Finance: there are the following
P2P online lending
P2P [5] (peer-to-peer credit). P2P online lending refers to the matching of loan and loan sides through the third-party Internet platform. The people who need to borrow can find the people who have the ability to lend and are willing to lend based on certain conditions through the website platform, and help the lender to spread the risk by sharing a loan amount with other lenders, It also helps borrowers to choose attractive interest rate terms from fully comparative information
there are two operation modes, the first is pure online mode, which is characterized by the fact that capital lending activities are carried out online, not combined with offline audit. Generally, the measures taken by these enterprises to verify the borrower's qualification include video authentication, checking bank statements, identity authentication, etc. The second mode is the combination of online and offline. After the borrower submits the loan application online, the platform checks the borrower's credit and repayment ability by means of household investigation through the agents in the city<
crowdfunding
crowdfunding is to raise funds from the public or the public, which refers to the mode of raising project funds from netizens in the form of group purchase in advance. The purpose of crowdfunding is to make use of the characteristics of Internet and SNS communication, so that start-ups, artists or indivials can show their ideas and projects to the public, strive for everyone's attention and support, and then obtain the necessary financial assistance. The operation mode of crowdfunding platform is similar: indivials or teams who need funds will hand over the project planning to crowdfunding platform, and after relevant audit, they can establish their own page on the platform's website to introce the project to the public[ 4]
third party payment
in a narrow sense, third party payment refers to the electronic payment mode in which non bank institutions with certain strength and reputation guarantee, with the help of communication, computer and information security technology, sign contracts with major banks to establish a connection between users and bank payment and settlement system
according to the definition of non-financial institution payment service given by the people's Bank of China in the administrative measures for payment services of non-financial institutions in 2010, in a broad sense, third-party payment refers to the online payment, prepaid card, bank card receipt and other payment services provided by non-financial institutions as payment intermediaries of payees and payers. Third party payment is not only limited to the initial Internet payment, but also becomes a comprehensive payment tool with full online and offline coverage and richer application scenarios<
digital currency
in addition to the booming forms of third-party payment, P2P loan mode, small loan mode, crowdfunding and yu'ebao mode, the internet currency represented by bitcoin also began to show its fangs [6]
the outbreak of internet currency represented by bitcoin and other digital currencies, in a sense, is more disruptive than any other form of Internet finance. On August 19, 2013, the German government officially recognized the legal "currency" status of bitcoin, which can be used for tax payment and other legal purposes. Germany has become the first country in the world to recognize bitcoin. This means that bitcoin has begun to "wash white" graally, from the Geek's plaything to the public's attention. Perhaps, it can give birth to a real Internet financial empire
bitcoin is hot and it's also falling sharply. In any case, this Internet gold rush banquet, which seems to have been very far away from us, has graally come into our sight. It makes people see that the ultimate form of Internet finance is internet currency. All Internet finance is only a challenge to the existing commercial banks and securities companies. The development of internet currency in the future is a challenge to the central bank. Maybe bitcoin will overturn the traditional financial growth and become the first global currency. Maybe it will eventually collapse. Anyway, it is certain that bitcoin will leave an eternal legacy to mankind[ 6]
big data finance
big data finance refers to the collection of massive unstructured data, through real-time analysis, it can provide Internet financial institutions with comprehensive information of customers, master customers' consumption habits and accurately predict customers' behavior by analyzing and mining customers' transaction and consumption information, So that financial institutions and financial services platform in marketing and risk control targeted [7]
financial service platform based on big data mainly refers to the financial services carried out by e-commerce enterprises with massive data. The key to big data is the ability to quickly obtain useful information from a large amount of data, or the ability to quickly realize and utilize big data assets. Therefore, the information processing of big data is often based on cloud computing<
financial institutions
the so-called information-based financial institutions refer to the financial institutions such as banks, securities and insurance, which transform or reconstruct the traditional operation process through the use of information technology to realize the comprehensive electronic operation and management. Financial informatization is one of the development trends of financial instry, and information-based financial institutions are the procts of financial innovation
from the perspective of the whole financial instry, the informatization construction of banks has always been at the leading level in the instry. It not only has an international leading financial information technology platform, and has built a three-dimensional e-banking service system composed of self-service banking, telephone banking, mobile banking and online banking, but also takes the lead in the instry with a large amount of informatization data concentration project, In addition to the innovative financial services based on the Internet, it has also formed a "portal", "online banking, financial procts supermarket, e-commerce" one drag three financial e-commerce innovation service mode<
financial portal
Internet financial portal (itfin) is a platform that uses the Internet to sell financial procts and provide third-party services for the sale of financial procts. Its core is the "search price comparison" mode, which adopts the vertical price comparison of financial procts, puts the procts of various financial institutions on the platform, and users select the appropriate financial procts through comparison
the Internet financial portal has diversified, innovated and developed to form a third-party financial institution providing high-end financial investment services and financial procts, and an insurance portal providing insurance proct consultation, price comparison and purchase services. This model does not have too many policy risks, because its platform is neither responsible for the actual sales of financial procts, nor bear any adverse risks, and the funds do not pass through the intermediate platform at all.
the development mode of Internet Finance: there are the following
P2P online lending
P2P [5] (peer-to-peer credit). P2P online lending refers to the matching of loan and loan sides through the third-party Internet platform. The people who need to borrow can find the people who have the ability to lend and are willing to lend based on certain conditions through the website platform, and help the lender to spread the risk by sharing a loan amount with other lenders, It also helps borrowers to choose attractive interest rate terms from fully comparative information
there are two operation modes, the first is pure online mode, which is characterized by the fact that capital lending activities are carried out online, not combined with offline audit. Generally, the measures taken by these enterprises to verify the borrower's qualification include video authentication, checking bank statements, identity authentication, etc. The second mode is the combination of online and offline. After the borrower submits the loan application online, the platform checks the borrower's credit and repayment ability by means of household investigation through the agents in the city<
crowdfunding
crowdfunding is to raise funds from the public or the public, which refers to the mode of raising project funds from netizens in the form of group purchase in advance. The purpose of crowdfunding is to make use of the characteristics of Internet and SNS communication, so that start-ups, artists or indivials can show their ideas and projects to the public, strive for everyone's attention and support, and then obtain the necessary financial assistance. The operation mode of crowdfunding platform is similar: indivials or teams who need funds will hand over the project planning to crowdfunding platform, and after relevant audit, they can establish their own page on the platform's website to introce the project to the public[ 4]
third party payment
in a narrow sense, third party payment refers to the electronic payment mode in which non bank institutions with certain strength and reputation guarantee, with the help of communication, computer and information security technology, sign contracts with major banks to establish a connection between users and bank payment and settlement system
according to the definition of non-financial institution payment service given by the people's Bank of China in the administrative measures for payment services of non-financial institutions in 2010, in a broad sense, third-party payment refers to the online payment, prepaid card, bank card receipt and other payment services provided by non-financial institutions as payment intermediaries of payees and payers. Third party payment is not only limited to the initial Internet payment, but also becomes a comprehensive payment tool with full online and offline coverage and richer application scenarios<
digital currency
in addition to the booming forms of third-party payment, P2P loan mode, small loan mode, crowdfunding and yu'ebao mode, the internet currency represented by bitcoin also began to show its fangs [6]
the outbreak of internet currency represented by bitcoin and other digital currencies, in a sense, is more disruptive than any other form of Internet finance. On August 19, 2013, the German government officially recognized the legal "currency" status of bitcoin, which can be used for tax payment and other legal purposes. Germany has become the first country in the world to recognize bitcoin. This means that bitcoin has begun to "wash white" graally, from the Geek's plaything to the public's attention. Perhaps, it can give birth to a real Internet financial empire
bitcoin is hot and it's also falling sharply. In any case, this Internet gold rush banquet, which seems to have been very far away from us, has graally come into our sight. It makes people see that the ultimate form of Internet finance is internet currency. All Internet finance is only a challenge to the existing commercial banks and securities companies. The development of internet currency in the future is a challenge to the central bank. Maybe bitcoin will overturn the traditional financial growth and become the first global currency. Maybe it will eventually collapse. Anyway, it is certain that bitcoin will leave an eternal legacy to mankind[ 6]
big data finance
big data finance refers to the collection of massive unstructured data, through real-time analysis, it can provide Internet financial institutions with comprehensive information of customers, master customers' consumption habits and accurately predict customers' behavior by analyzing and mining customers' transaction and consumption information, So that financial institutions and financial services platform in marketing and risk control targeted [7]
financial service platform based on big data mainly refers to the financial services carried out by e-commerce enterprises with massive data. The key to big data is the ability to quickly obtain useful information from a large amount of data, or the ability to quickly realize and utilize big data assets. Therefore, the information processing of big data is often based on cloud computing<
financial institutions
the so-called information-based financial institutions refer to the financial institutions such as banks, securities and insurance, which transform or reconstruct the traditional operation process through the use of information technology to realize the comprehensive electronic operation and management. Financial informatization is one of the development trends of financial instry, and information-based financial institutions are the procts of financial innovation
from the perspective of the whole financial instry, the informatization construction of banks has always been at the leading level in the instry. It not only has an international leading financial information technology platform, and has built a three-dimensional e-banking service system composed of self-service banking, telephone banking, mobile banking and online banking, but also takes the lead in the instry with a large amount of informatization data concentration project, In addition to the innovative financial services based on the Internet, it has also formed a "portal", "online banking, financial procts supermarket, e-commerce" one drag three financial e-commerce innovation service mode<
financial portal
Internet financial portal (itfin) is a platform that uses the Internet to sell financial procts and provide third-party services for the sale of financial procts. Its core is the "search price comparison" mode, which adopts the vertical price comparison of financial procts, puts the procts of various financial institutions on the platform, and users select the appropriate financial procts through comparison
the Internet financial portal has diversified, innovated and developed to form a third-party financial institution providing high-end financial investment services and financial procts, and an insurance portal providing insurance proct consultation, price comparison and purchase services. This model does not have too many policy risks, because its platform is neither responsible for the actual sales of financial procts, nor bear any adverse risks, and the funds do not pass through the intermediate platform at all.
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