Is digital currency Internet Finance
Publish: 2021-04-19 13:09:07
1. digital currency is an alternative currency in the form of electronic currency. It is an unregulated and digital currency, which is usually issued and managed by developers and accepted and used by members of a specific virtual community. It is different from the virtual currency in the virtual world, because it can be used for real goods and services transactions, not limited to online games. The early digital currency (digital gold currency) is a form of electronic currency named after the weight of gold. Today's digital currencies, such as bitcoin, lightcoin and ppcoin, are electronic currencies created, issued and circulated by means of check sum cryptography
definition of currency
digital gold currency is a form of electronic currency named after the weight of gold. The typical unit of measurement for this currency is the Troy gram or troy ounces, although sometimes the golden Dinar is used. Digital gold currency is funded by gold storage without quota or decentralized quota. By January 2006, digital gold currency suppliers held more than 8.6 metric tons of gold as reserves, worth about $154 million
future trend
in November 2016, the central bank prepared digital currency, and it is likely that cash will not exist in ten years
in November 2016, China digital currency Research Institute was established to cultivate high-level talents of digital currency, carry out digital currency research, consultation, development planning and related activities. It is a non-profit unit with legal license approved by relevant ministries and commissions, and is committed to promoting the integrated development of scientific research and practice of digital currency instry
up to now, Hangzhou, Shenzhen and Guizhou have become three hot areas for the central bank's digital currency pilot. It is reported that Hangzhou is actively promoting the planning and construction of Qiantang River financial harbor, including the blockchain instry. Hangzhou will build the first blockchain Instrial Park in China, which is located in the Internet Finance town of Xihu District, surrounded by ant financial services, e-commerce bank, Zhejiang University and its science and Technology Park and other well-known enterprises and parks
in February 2020, digital currency was selected by MIT Technology Review as one of the top ten breakthrough technologies in the world in 2020
definition of currency
digital gold currency is a form of electronic currency named after the weight of gold. The typical unit of measurement for this currency is the Troy gram or troy ounces, although sometimes the golden Dinar is used. Digital gold currency is funded by gold storage without quota or decentralized quota. By January 2006, digital gold currency suppliers held more than 8.6 metric tons of gold as reserves, worth about $154 million
future trend
in November 2016, the central bank prepared digital currency, and it is likely that cash will not exist in ten years
in November 2016, China digital currency Research Institute was established to cultivate high-level talents of digital currency, carry out digital currency research, consultation, development planning and related activities. It is a non-profit unit with legal license approved by relevant ministries and commissions, and is committed to promoting the integrated development of scientific research and practice of digital currency instry
up to now, Hangzhou, Shenzhen and Guizhou have become three hot areas for the central bank's digital currency pilot. It is reported that Hangzhou is actively promoting the planning and construction of Qiantang River financial harbor, including the blockchain instry. Hangzhou will build the first blockchain Instrial Park in China, which is located in the Internet Finance town of Xihu District, surrounded by ant financial services, e-commerce bank, Zhejiang University and its science and Technology Park and other well-known enterprises and parks
in February 2020, digital currency was selected by MIT Technology Review as one of the top ten breakthrough technologies in the world in 2020
2. 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.
3. Internet Finance (itfin) is an emerging finance which relies on Internet tools such as payment, cloud computing, social network, search engine and app to realize financing, payment and information intermediary. 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<
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[ 3]
P2P network loan
P2P [4] (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 sufficient comparative information, such as loan to bus, etc
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 systems
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 [5]
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[ 5]
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, through the analysis and mining of customers' transaction and consumption information, grasp customers' consumption habits, 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
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 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 refers to the 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[ 3]
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[ 3]
P2P network loan
P2P [4] (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 sufficient comparative information, such as loan to bus, etc
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 systems
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 [5]
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[ 5]
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, through the analysis and mining of customers' transaction and consumption information, grasp customers' consumption habits, 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
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 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 refers to the 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[ 3]
4. Concept network: Internet Finance (itfin) refers to a new financial business model in which traditional financial institutions and Internet enterprises use Internet technology and information communication technology to realize financing, payment, investment and information intermediary services
self understanding: Internet finance has always existed. After the popularity of yu'ebao, it marks that China has completed the enlightenment ecation of national financial management; In recent years, it has been very popular to introce a large number of investment users to the Internet finance instry. With the continuous improvement of the national regulatory rules, it is expected that Internet finance will move towards comprehensive supervision next year
scope: crowdfunding, online loan, online payment, digital currency, insurance finance, fund sales, etc
self understanding: Internet finance has always existed. After the popularity of yu'ebao, it marks that China has completed the enlightenment ecation of national financial management; In recent years, it has been very popular to introce a large number of investment users to the Internet finance instry. With the continuous improvement of the national regulatory rules, it is expected that Internet finance will move towards comprehensive supervision next year
scope: crowdfunding, online loan, online payment, digital currency, insurance finance, fund sales, etc
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