Classification of Internet virtual currency
In a narrow sense, virtual currency refers to the substitute currency circulating in the network virtual world. In addition to the virtual currencies issued by major online game companies with various names, Tencent Q currency is also widely used. At present, the network transaction of the virtual world has greatly exceeded people's imagination, and has formed a huge online transaction market of proction, supply and marketing. Moreover, a group of professional workers specialized in "coin printing" came into being; There are also special exchange shops for various game currencies
network virtual currency can be roughly divided into
the first category is familiar game currency. In the era of stand-alone games, the protagonist accumulates money by knocking down the enemy, entering the gambling house to win money, and using these to buy Herbs and equipment, but it can only be used in his own game console. At that time, there was no "market" between players. Since the establishment of Internet portal and community, the realization of game networking, virtual currency has a "financial market", players can trade game currency
the second type is the special currency issued by the portal website or instant messaging service provider, which is used to purchase the services in the website. The most widely used is Tencent's q-coin, which can be used to purchase membership, QQ show and other value-added services
the third kind of virtual currency on the Internet, such as bitcoin (BTC), Fuyuan coin (FTC) and Wright currency (LTC). Bitcoin is an electronic currency proced by open-source P2P software. Some people also translate bitcoin as "bitcoin", which is a kind of network virtual currency. It is mainly used for Internet financial investment, and can also be directly used in daily life as a new currency.
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.
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7. Virtual currencies on the Internet, such as bitcoin (BTC), Fuyuan currency (FTC), Wright currency (LTC) and LeLe currency (LLC), are ah.
8.
1. 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
2. Peer to peer credit P2P online lending refers to the matching of loan and loan 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, so as to help the lender 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 survey through the agents in the city 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 systemsaccording to the definition of non-financial institutions' payment services given by the central bank in 2010 in the administrative measures for non financial institutions' payment services, in a broad sense, the 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 the third-party payment is not limited to the initial Internet payment, but has become a comprehensive payment tool with comprehensive online and offline coverage and richer application scenarios In addition to the booming third-party payment, P2P loan mode, small loan mode, crowdfunding financing, Yu EBAO mode and other forms, the internet currency represented by bitcoin also began to show its fangsthe outbreak of internet currency represented by bitcoin and other digital currencies, in a sense, is more subversive 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 is beginning to "wash white" graally, from a geek's plaything to the public's attention. Perhaps, it can give birth to a real Internet financial empire bitcoin is hot, but it also falls 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 customer information, 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 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 The so-called information-based financial institutions refer to the financial institutions such as banks, securities, insurance, etc., 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 innovationfrom 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, but also has built a three-dimensional e-banking service system composed of self-service banking, telephone banking, mobile banking and online banking. moreover, it takes the lead in the instry with the data centralization project, which is a great effort of informatization, 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
7, 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 Internet financial portal diversified innovation and development, formed a third-party financial institutions that provide high-end financial investment services and financial procts, and insurance portals that provide 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 9. Internet Finance includes three basic forms of enterprise organization: online small loan company, third-party payment company and financial intermediary company. At present, e-banking, online banking and mobile banking, which are widely promoted by commercial banks, also belong to this category. 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). It's mainly these six pieces...
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