The development of Internet lending in 2020 the current situation of the development prospects of Internet lending

What trends have emerged in the development of Internet finance

Networked finance is an emerging field that combines the traditional financial industry with the spirit of the Internet. In a broad sense, any financial industry with the spirit of the Internet is collectively referred to as Internet finance. From a narrow financial point of view, it should be defined in relation to the credit circulation of money at the level, that is, the financing of capital relying on the Internet to realize the ways and means.

Modern information technology represented by the Internet, especially mobile payment, cloud computing, social networks and search engines, will have a fundamental impact on the human financial model. Internet financial model will become mainstream in the next 20 years.

Theoretically, any virtual wanton sedan internet application involving finance in the broad sense should be internet finance, which is in a period of rapid development, and is now equipped with six major internet financial models such as third-party payment, P2P lending, big data finance, crowdfunding, information-based financial institutions, and internet financial portals.

There have been three important development trends in Internet finance.

One, mobile payment replaces traditional payment business

Two, P2P microcredit replaces traditional deposit and loan business

Three, crowdfunding replaces traditional securities business

Trend 1: The preliminary establishment of the legal system of Internet finance

Marked by the issuance of the "Guiding Opinions" by ten ministries and commissions on July 18, 2015, Internet finance has stepped into the stage of standardized development. After the introduction of the "Guiding Opinions", some specific implementation methods have been introduced; not introduced, a line of three will also be intensively drafted, for comments. "Thirteenth Five-Year" period, in the encouragement of innovation, risk prevention, tend to avoid harm, healthy development of the overall requirements, with the dynamic adjustment of existing laws and regulations, a series of Internet financial regulation of various forms of rules will be introduced one after another, the Internet financial poor legal and regulatory system will be the initial establishment of the Hail God.

Internet financial credit on the traditional credit business change and impact

In recent years with the continuous progress of Internet technology, the financial industry is ushering in a rapid era of financial innovation.

The concept of "Internet finance" has emerged, and financial innovations such as third-party payment, P2P lending, big data finance, Internet lending, and Internet wealth management have flourished in China. The emergence of these products has brought great convenience to people's lives, but also greatly impacted the credit business of traditional commercial banks.

I. The reverse promotion of bank credit business by Internet financial credit.

Internet financial credit business is with the development of China's market economy, one of the new credit methods, which can expand the scope of credit objects, prompting a large number of small enterprises to obtain financing channels. The lending market under the Internet financial model is an open market, the borrowing and lending parties in the fair and open supply and demand system under the formation of the interest rate is extremely competitive market.

However, China's official limit the price of capital interest rates, so commercial banks have been in a monopoly position. The emergence of the Internet financial credit, especially the formation of the open market interest rates will form the commercial bank's profit erosion, shaking the commercial bank's monopoly of the credit business, which will also force the commercial banks to carry out interest rate market-oriented reform.

In addition, the diversity of Internet products and services to meet the high-quality financial needs of customers. Under the condition that the number of customers is certain, commercial banks will continue to improve their service quality and level in order to prevent the loss of customers, so as to meet the diversified needs of customers.

Two, the impact of Internet credit on the main body of credit business.

China's financial market is based on indirect finance -- that is, commercial banks deposit and loan business as the main body, commercial banks act as a medium of the role. But the emergence of Internet credit accelerated the pace of financial disintermediation, the Internet platform for the supply and demand of funds for both sides to provide funds and information resources.

In the field of P2P, the two sides of the funds supply independently complete the transfer of funds, the commercial bank's position as the main medium has been greatly impacted.

On the other hand, in 2012, the lending scale of Internet consumer finance was only 1.86 billion yuan, and in 2018, the lending scale reached 977.373 billion yuan.2012 to 2018, the lending scale of Internet consumer finance increased by 5254 times in six years, the market scale has soared, and the development prospect is huge.

The emergence of Internet consumer finance has changed people's consumption pattern, brought great impact to the consumer credit business of traditional commercial banks, and brought certain impact to the financial status of commercial banks.

Third, Internet credit changes the process of commercial bank credit business.

The traditional business processes of commercial banks include pre-credit investigation, credit review, post-credit management and other processes, which are the bank's guarantee of risk control, but in the context of the rapid development of Internet finance, such a cumbersome process will play a hindering role. Internet credit only requires the user to provide credit status, fast lending based on big data analysis, not only shorten the time for customers to handle credit, more effective solution to small and micro-enterprises, problems, to protect the normal operation of small and micro-enterprises, and to provide long-term, stable economic support for their income generation.

Fourth, Internet finance has changed the regulation of credit business. Internet finance on the basis of big data analysis relying on credit reports on e-commerce platforms, the risk can be effectively controlled without the need for traditional commercial banks complex and inefficient guarantees, to enhance the operational efficiency of the funds. However, Internet finance is another new thing, and there is currently no sound and complete Internet rule of law regulatory system.In 2018, a number of P2P blow-ups occurred nationwide, and most investors lost their blood money, which is more a reflection of the fact that the current Internet financial system in China lacks effective regulation. With the rapid development of Internet finance, it will face even more serious problems and challenges in the future, which requires government departments to strengthen institutional construction and improve the legal system to escort the rapid development of Internet finance.

The emergence and rapid development of Internet finance is a great change, it is a new form, but not out of the essence of finance. Innovation out of many financial products to meet the customer's personalized, convenient, inexpensive and safe and other needs, but also on the business of commercial banks have had an impact. It greatly facilitates our life, but also puts forward new challenges to market regulation. In this wave of technological change, commercial banks should also seize the opportunity to bring into play their advantages in risk supervision and quality customer resources, transform the technological advantages brought about by data concentration into the competitive advantages of commercial banks, and continue to innovate credit products in order to better adapt to technological change as well as to better serve the real economy.

The development pulse of Internet finance in China

1.Before 2005, the initial stage

2.2005-2012, the budding stage

3.2013-2015.6, the high-speed development stage

4.2015.7-2016 Year, development, risk and regulation coexist stage

5.2017 - so far, the regulatory heavy fist under the industry clear

Since the rise of Internet finance in China, from the once rise, barbaric growth to today's turnaround, has experienced more than ten years. Ten years of wind and rain, ten years of spring and autumn, looking at the development of Internet finance development in China, can be roughly divided into these five stages

A...What about the prospects for the development of Internet finance?

First, the current Internet finance, whether it is the direction of development, attributes as well as regulation have achieved certain results, and the future development of space is very large, in terms of the current development trend, the speed of development and prospects for development is very good.

Secondly, the development of Internet finance mainly focuses on three aspects, one is the development mode of crowdfunding, the second is the development of financing, no matter what the development mode, the development of Internet finance is very fast, and can get high returns, for the overall financial development as well as the professional content of the world will undergo a sea change. Internet technology is constantly penetrating the banking business and is breaking the dominant position of traditional banks, and more and more network financial products are launched, but also is constantly diluting the bank's customers, so that many bank customers switch to network finance. Secondly, a large number of customers through the network transactions, the number of face-to-face transactions branched down, which is also constantly reducing the bank's business, thus enriching the diversified service channels.

Two, what is the impact of modern information on the development of Internet finance?

Modern information private la on the development of Internet finance has brought great impact, especially the Internet-based various information technologies, such as data mining in the big data base L, mobile payment and social networks, etc., we will be this kind of relevant Internet technology as the leading financial industry, known as Internet finance. In this model, the market information asymmetry is very low and payment is fast and convenient; the supply and demand sides of the funds in the matching of the term of the funds, risk sharing and other cost requirements are relatively low, and can be directly traded; bonds, stocks, loans, etc., and the issuance of the transaction and the payment of the coupon payment can be self-connected on the Internet operation.

Internet finance professional employment direction and prospects

Internet finance professional employment direction and prospects are as follows:

The graduates of this program are mainly oriented to the Internet financial enterprises, traditional financial enterprises, commercial and trade enterprises, Internet information service enterprises, institutions, government departments, the use of Internet financial knowledge, Economics knowledge and the Internet, big data technology to engage in Internet financial product design, product marketing, Internet financial industry management and other work.

Under the great impetus of Internet technology, the new mode of Internet finance represented by third-party payment, P2P network lending platform and crowdfunding has been developing rapidly, and thus the demand for composite talents has increased sharply, which requires not only understanding of the Internet, but also understanding of finance.

Unlike the traditional financial industry where the supply and demand for talent is strong, the supply of talent in the emerging Internet finance industry is simply unable to meet the needs of enterprises.

Internet finance jobs good to find how the prospects

Good to find a job, the Internet finance industry has always been a popular profession, the employment prospects are very broad, it belongs to the cutting-edge emerging fields. Internet finance professional needs it technology, Internet thinking and finance cross-type integrated talents, so the traditional financial direction and it technology direction of the talents can not this industry demand, which led to a large number of market talent gap.

What jobs can Internet finance majors do

Graduates at the beginning of the main contact with the work of customer service representatives, telemarketing, marketing specialists, investment/financial consultants, later will be promoted to financial product managers, data analysts, product operations managers, customer service supervisors, risk managers and so on.

Now the traditional financial institutions have been unable to fully meet the needs of many enterprises, in the great impetus of Internet technology, third-party payments, P2P network lending platforms and crowdfunding as the representative of the rapid development of the new model of Internet finance, and thus the demand for composite talents surge, the requirements not only to understand the Internet, but also to understand the financial sector, and the traditional financial industry, the supply and demand for talents of the two prosperous situation Different from the traditional financial industry talent supply and demand situation, the emerging Internet financial industry talent supply simply can not meet the needs of enterprises, so the Internet financial professional came into being.

Internet finance employment prospects

Network security industry outlook: with the rapid popularization of big data, cloud computing, Internet of Things and other technologies, the Internet and the real economy in-depth fusion, network security issues gradually transferred from the PC side of the life of all aspects of the network security industry is facing new opportunities.

Internet finance, as a new species of technology-driven financial innovation, involves new technology application scenarios such as blockchain, big data, and Internet of Things. So its demand for composite talents is greater. Not only to understand the Internet, but also to understand finance. This is the difference between it and the traditional financial industry.

In the next 5-10 years, the national Internet finance industry talent gap will reach more than a million, the performance of the Internet financial enterprises, e-commerce operations industry, these units of the relevant talent is "a fortune".

The introduction of the development prospects of Internet lending and the development status of Internet lending in 2020 ends here, I wonder if you find the information you need from it?